摘要
保险消费者"概念问题的实质,即将《消保法》作为保险相对人保护自身权益的法律依据之一。其理论基础为,外部性、自然垄断、信息不对称等《消保法》的立法缘由在保险领域中同样存在。法人和其他组织不宜纳入保险消费者的范畴。主要目的可以作为区分保险消费者与投资者的标准。保险消费者包括投保人、被保险人、受益人。
The essence of the "insurance consumer" is that "Consumer Protection Law" is one of the legal basis for insurer counterparty to protect their rights and interests. The theoretical basis is externalities, natural monopoly and information asymmetries, which are also the legislative reasons of the consumer protection law. Legal persons and other organizations should not be included in the scope of insurance consumers. The main objective can be used as a standard to distinguish between insurance consumers and investors. Insurance consumers include the policy-holder, the insured and the beneficiary.
作者
温世扬
范庆荣
WEN Shi-yang FAN Qing-rong(Law School of Zhongnan University of Economics and Law, Wuhan 430072 Law School of Wuhan University, Wuhan 430072, China)
出处
《现代法学》
CSSCI
北大核心
2017年第2期79-93,共15页
Modern Law Science
基金
2015年中国法学会部级法学课题"消保法于保险领域的适用研究"(ClS C2015)c82)
关键词
保险消费者
保险法
消费者保护法
投资者
保险相对人
insurance consumer
insurance law
consumer protection law
investor
insurer counterparty