略论我国保险法中的诚实信用原则

The Principle of Bona Fide in the Insurance Law of P. R. C.

我国2003年1月1日开始施行的新《保险法》将从事保险活动应当遵循诚实信用原则从原保险法第4条中分离出来,独立列为了第5条。文章针对保险法的这一修改,指出我国保险法中的诚实信用原则是对英国1906年《海上保险法》最大善意原则的继承和发展,同时,作者对我国保险法关于诚实信用原则的规定进行了综合分析,并对如何进一步完善保险法中关于诚实信用原则的规定提出了一些建议。

The new Insurance Law of China, which came into effect on 1st January 2003, separates the principle of bona fide with other principles from the old Insurance Law of China' s article 4 and absorbs it as a single principle into article 5. This essay points out that the principle of bona fide in our Insurance Law is a development of the principle of utmost good faith in the <Marine Insurance Act, 1906> of U. K. The author analyzes the principle of bona fide in our Insurance Law and gives some suggestions on how to develop this principle as well.