保险交易信息不对称与被保险人利益保障

Information Asymmetry and the Guarantee for the Insured's Benefit in Insurance Transaction

保险机制运行对于信息具有高度依赖性,但信息不对称又是保险交易中的基础性事实,这一问题的解决需要在保险合同订立履行过程中合理配置当事人之间的信息义务和注意义务。保险交易中信息主要包括标的风险信息与合同过程权义信息两类,当事人双方对此互有弱势之态。现代社会保险人信息等结构性优势已经形成,投保方信息义务限缩与保险人信息提供义务扩展,两者相向而行共同确保被保险人保险保障的有效获取与维持。

Information asymmetry is the basic fact in insurance transaction. The solution of this problem requires the reasonable arrangement of information obligation and duty of care between the parties. In modem society, with that the insurer’ s structural advantages have been formed,narrowing the applicant’s duty of disclosure and developing the insurer＊s obligation to provide information, jointly ensure the effective acquisition and maintenance of the insured^ insurance protection.