【作者】 徐明；

【导师】 沈幼伦；

【作者基本信息】 华东政法学院 ， 法律， 2003， 硕士

【摘要】 诚实信用原则是市场经济中调整民事法律关系和合同当事人行为的重要法律原则。保险合同的诚实信用原则，对于维护保险活动的有序进行、保障合同当事人的合法利益、平衡合同当事人利益与社会公共利益，都有着重要而不可替代的作用，是保险合同的基本指导原则。本文从保险合同诚实信用原则的发展演变、基本性质、结构体系和制度设计等不同角度对其进行深入的研究，并将保险合同诚实信用原则与其他民法原则和保险合同原则进行了比较，得出结论：保险合同诚实信用原则的基本指导原则地位是由保险合同的根本特性所决定的；保险合同诚实信用原则对于保险合同有着重要的价值和独特功能；这种作用的效力是全局性的，而非局部性的。在此基础上，本文提出保险合同诚实信用原则体系的概念，并从核心原则、应用原则和具体制度三个层面对之进行剖析。最后，作者还比较了我国与大陆法系和英美法系主要国家在保险诚信制度设计方面的异同，指出了我国保险立法存在的不足，并提出了改进我国保险诚信制度设计的具体建议。更多还原

【Abstract】 Good faith principle is an important legal principle that regulates the civil legal relationships and behaviors of parties to contract under the circumstances of market economy. Good faith principle of insurance contracts is the basic guiding principle of insurance contracts and plays a vital and non-replaceable role in maintaining order of insurance activities, safeguarding legitimate interests of parties and balancing the interests of parties and society. This article carries out in-depth study in good faith principle of insurance contracts from different perspectives such as: its development and evolvement, basic features, structure and design. Comparison is given between good faith principle of insurance contracts and other civil legal principles as well as principles of insurance contracts. It is concluded the basic guiding role played by good faith principle of insurance contracts is decided by the fundamental features of insurance contracts and good faith principle of insurance contracts has important values and unique functions to insurance contracts and effects of such role is not partial but overall. On the basis of these conclusions, this articleput forward the concept of good faith principle system of insurance contracts and analyzes it from the following three perspectives: core principle, application principle and concrete regulations. Finally, this article compares the design of good faith principle of insurance contracts in China with major countries of both civil law family and common law family and points out the defects of China’s insurance legislation and provides the detailed suggestions for improving the design of China’s good faith principle of insurance contracts.更多还原