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商业健康保险中续保权的权利基础与规则构建
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作者 王家骏 《私法》 2022年第3期138-152,共15页
商业健康保险中续保权的设置,系为防范保险市场中显著的逆向选择问题,通过保障的固定化和平等化矫正市场缺陷。保费的超额收取是该权利的费率基础,构成了续保权的实际对价,决定了其形成权的属性;保费的平等化和稳定性是该权利的侧面效果... 商业健康保险中续保权的设置,系为防范保险市场中显著的逆向选择问题,通过保障的固定化和平等化矫正市场缺陷。保费的超额收取是该权利的费率基础,构成了续保权的实际对价,决定了其形成权的属性;保费的平等化和稳定性是该权利的侧面效果,决定了其维持约定费率和原保障程度的权利内容。当投保人基于信赖形成事实上的保障固化和自我约束时,应允许其通过补交超额保费补充获得续保权以确保利益平衡。在规则用上,含有续保权的合同的效力应以投保人的单方意思表示为准而非保费的交付,内容调整上应允许对非核心条款内容的调整,在持续续保中应适用不可抗辩条款。最后需注意,续保权具有实现商业健康保险社会功能的重要作用,在未来应考虑法定化的权利设置。 展开更多
关键词 续保权 保证续保条款 市场缺陷 激励共容 利益平衡
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Intellectual Property: Access to Culture and Sustainable Competition
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作者 Ingrida Veiksa 《Journal of Modern Accounting and Auditing》 2013年第2期297-303,共7页
This paper deals with intellectual property protection problems in the information society, when it is so easy to access unauthorised content (to pirate). Society does not care much about the damages of right owners... This paper deals with intellectual property protection problems in the information society, when it is so easy to access unauthorised content (to pirate). Society does not care much about the damages of right owners. Internet is often considered as a "public place", and works on Internet are considered as "displayed in public places" from which a lawful restriction of rights is permitted. It promotes unfair competition and hinders the development of sustainable business. Lawful use of protected copyright content is a tool for ensuring equal and sustainable competition level among entrepreneurs. On Internet, there are many copyright-protected works available. Many members of society wish to get an access to these works, which means that a solution should be found. For private and non-commercial use, there should be reasonable limitations. Combating piracy on Intemet using enforcement tools alone does not yield results. Piracy should be placed in a frame accepted by a civilized society, and the society and authors should get the maximum benefits from it. 展开更多
关键词 copyright information society COMPETITION PIRACY "culture access" fee
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