【作者】 黎丹；

【导师】 喻磊；

【作者基本信息】 华南理工大学 ， 法律， 2012， 硕士

【摘要】 信用是现代市场经济的基础、纽带和灵魂。作为民法基本原则的诚实信用原则，已被喻为“帝王条款”成为一切民事活动所遵循的基本原则，强烈要求人们在民事活动中享受民事权利与履行民事义务时应讲究信用，恪守诺言，诚实不欺，在不损害他人利益的前提下追求自己的利益。而具体到保险这一特殊的经济行为当中，由于保险的特殊性，其对诚信又提出了更高层次的要求，即“最大诚信”。所谓最大诚信，是指保险合同双方在合同的订立和执行过程中要采取最大努力以各种合适有效的方式自觉、主动、及时、充分、准确地向对方告知或说明有关保险交易的所有重要事实并严格履行所做的各种承诺或保证。最大诚信原则作为保险法的基本原则之一，贯穿了整个保险法律规范体系，同时也成为了保险合同当事人的最基本的行为准则。本文坚持理论结合实际，运用大量的实际案例，以我国的保险法律相关规定为依托，借鉴国外保险立法与相关理论，生动形象地从最大诚信的两大主体即投保人与保险人出发，深入分析最大诚信的主要内容，明确投保人的如实告知义务与保险人的明确说明义务、弃权与禁止反言制度；并从这些实际案例中总结发现最大诚信缺失的根源所在，最终提出坚持最大诚信原则，规范保险市场的几点建议，以此一方面希望对完善最大诚信原则相关的理论研究有所裨益，另一方面也希望对规范保险市场与明晰最大诚信原则在保险合同纠纷中的法律运用能够提供某种向导意义。更多还原

【Abstract】 Credit is the foundation、link and soul of the modern market economy. As the basicprinciples of the civil law, the principle of good faith has already been known as "imperialclause" for all the civil activities, and urge people to pay attention to the good faith, keep theirpromise without cheat and pursue their interests without damaging others’ interests whenpeople have their civil rights and perform their civil obligations in the civil activities.Especially for the insurance, it demands a higher level of good faith because of its specificcharacteristic, namely "the utmost good faith". The so-called of utmost good faith means bothsides in the process of making and executing the insurance contract should take the utmosteffort With all sorts of effective and appropriate way to inform and explain, consciously,actively, timely, abundantly and accurately, about all the important facts, and strictly performall sorts of promise or guarantee. As one of the basic principles of insurance law, Theprinciple of utmost good faith is not only throughout the whole system of insurance law, butalso become the basic standards of insurance contract party’s behaviour.This essay insists the theory combining with reality and uses amounts of practicalcases,while relying on the relevant provisions of insurance law and regulations in ourcountry and referring to foreign insurance legislation and the relevant theory, then vividly anddeeply states the main content of the utmost good faith and definite the insurer’s obligation ofexplanation, insurance applicant’s obligation of disclosure, waiver and promissory estoppel.From the actual cases,the essay sums up the source of the lack of the utmost good faith,finally puts up to adhere to the principle of utmost good faith and regulate the insurancemarket. As result, on the one hand it can perfect the theory of the principle of utmost goodfaith, on the other hand it can provide a certain guide significance to regulate the insuranceand in insurance contract dispute.更多还原