【作者】 王刚；

【导师】 姚慧娥；

【作者基本信息】 华东政法学院 ， 经济法学， 2006， 硕士

【摘要】 本文从法学、经济学、社会学的角度,运用比较和法经济学的研究方法,通过比较分析发达国家或地区的机动车强制责任保险制度,以《道路交通安全法》第76条和《机动车交通事故责任强制保险条例》为评价对象,对我国的机动车强制责任保险制度进行了较为深入的研究。本文探讨了机动车强制责任保险的基础理论问题,评析了机动车强制责任保险现行法律制度,最后提出了完善我国机动车强制责任保险的相关制度设计。论文共分五章,主要内容如下:第一章对基本概念进行研究。首先对交通事故责任、民事赔偿责任以及责任保险进行概念上的辨析,然后探讨机动车强制责任保险的涵义、特征及基本法律关系。第二章探讨机动车强制责任保险的基础问题。首先研究了责任保险的理论演变;其次分析了实施机动车强制责任保险的必要性、可行性及正当性;最后从法经济学视角分析了机动车强制责任保险存在激励机制不足的局限性。第三章主要研究了机动车强制责任保险合同的强制效力。首先分析了投保人的法定投保义务及其存在的问题;其次探讨了保险人的法定承保义务及其存在的问题;最后研究了合同解除的限制以及应考虑的问题。第四章对机动车强制责任保险现行法律制度进行研究。首先对理论界争论不休的《道路交通安全法》第76条进行了理论梳理,指出其问题症结所在,并对该条进行重构。其次对刚出台的强制保险条例进行了解读与评析。最后对我国机动车强制责任保险制度长期缺位的原因及其导致的司法问题进行了分析和反思。第五章探讨我国机动车强制责任保险相关制度设计。首先对机动车强制责任保险配套制度的构建进行了设计,提出构建交通事故社会救助基金制度、承保保证与监督制约制度以及财税政策支持制度。然后从保险人经营模式与原则、强制投保的机动车范围、赔偿责任范围、责任限额以及保险费率等五个方面较深入的探讨机动车强制责任保险的制度设计。更多还原

【Abstract】 Using the study methodology of comparative and legal economic analysis, the thesis mainly attaches importance on the system of motor vehicle compulsory liability insurance of our country after analyzing comparatively the systems of developed country or region from the perspective of law, economics and sociology. The thesis appraises the seventy-six article of Road Safety Act and the statute of motor vehicle compulsory liability insurance.The thesis discusses the theoretical foundation of motor vehicle compulsory liability insurance and appraises the actual legal system, and brings foreword the related system design advice at last. The thesis is composed of five chapters; the main content is as follows:Chapter one studies the basic concepts. Firstly the thesis analyzes the difference among traffic accidents responsibility and civil compensation and liability insurance. Following that is to discuss the meaning, the character and the fundamental legal relationship of the motor vehicle compulsory liability insurance.Chapter two discusses the basic issues of the motor vehicle compulsory liability insurance. Firstly the thesis studies the theory evolvement of liability insurance. Secondly the thesis analyzes the necessity, the feasibility, and the legitimacy of implementation. At last the thesis analyzes the limitations of the deficiency on the incentive mechanism from the view of legal economics. Chapter three focuses on the compulsory force on the contract of motor vehicle compulsory liability insurance. Firstly the thesis analyzes the legal obligation to insure and the related problems. Secondly, the thesis discusses the legal duty to accept insurance and the related issues. At last the thesis researches the limitation to release from contract and the issues taken into account.Chapter four appraises the current legal system of motor vehicle compulsory liability insurance. Firstly the thesis neatens theoretical disputes about the article seventy-six of Road Traffic Safety Law, and points the crux of the problem and reconstructs it. Secondly the author unscrambles and appraises the statute of compulsory liability insurance issued just now. At last the thesis analyzes and reflects the reasons about long absence of our system of motor vehicle compulsory liability insurance which resulted in judicial issues.Chapter five focuses on the related system design of our country’s motor vehicle compulsory liability insurance. Firstly the thesis designs the marching systems and brings forward constructing the system of society salvation fund of traffic accident, assuring insurance, continuing to insure, following surveillance and restricting system and the sustaining system on finance and revenue. Afterwards, the thesis discusses deeply the concrete system design to the motor vehicle compulsory liability insurance from five aspects, namely, the insurer’s pattern and principal of management, the scope of motor vehicle insured compellingly, the scope of civil compensation, the liability limitation, and the premium.更多还原