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1、畢業(yè)論文中文摘要保險合同中免責條款的法律機制摘要：伴隨著經(jīng)濟社會的口新月異，保險逐漸成為廣大人民群眾規(guī)避風險方式和理財手段，它不僅預示著，我國經(jīng)濟基礎的逐漸穩(wěn)定和夯實，也證明人民儲莆意識的新覺醒，同吋保險業(yè)實際在資金流動和資源配置屮起到積極作用。但由于我國保險業(yè)起步晚，并存在著發(fā)展空間過于巨大、上升速度非常理性增快以及我國相關的法律體制的建立滯后丁?現(xiàn)實中保險業(yè)的發(fā)展等特點，造成我國保險業(yè)不健康發(fā)展。在這個過程中，保險合同的雙方當事人更是由于專業(yè)差異、知識儲備的不同，從而使得免責條款在適用過程中不免引起較多爭議。引發(fā)的實際情況是保險人利用免責條款誤導投保人，致使雙方理解不
2、相一致，并產(chǎn)生訴訟糾紛。而縱觀我國司法實踐，有關保險合同免責條款的訴訟糾紛占民事訴訟中的比例逐年上升,這雖然體現(xiàn)我國國民法律意識正逐漸捉升，但更說明我國相關法律應漸趨完善。木文則主要通過研究保險合同免責條款在適用中所存在的齊種問題，解讀口前我國相關法律機制不足之處，并探求解決問題的方案。關鍵詞：保險合同免責條款現(xiàn)實狀況存在問題綜合意見畢業(yè)論文外文摘要TitleLegalregulationofexemptionclauseofinsurancecontractAbstractAlongwiththeeconomicandsocialchangerapidly,theins
3、uraneeindustryhasgraduallybecomethemassestoavoidrisksandfinancialmeans,whichnotonlyindicatesthatChina'seconomicbasegraduallystableandcompacted,alsoprovethatthenewawakeningofpeople"sconsciousnessofsaving，andplayapositiveroleintheflowoffundsandtheallocationofresources,bothpartiesofinsuranee
4、regulationstheinsuredandtherightsandobligationsoftheinsurancecontract,theinsurerforthemainprotectionmechanismistheexemptionclauseintheuseoftheinsurancecontract,itisbornebytheinsurer"sriskofliabilityconstraintandevasion,fromacertainextentreducedtheinsurerthenecessaryinsuraneeliabilityandin
5、suraneerequirements,butbecauseChisinsuraneeindustrystartedlate,thedevelopmentofspaceandrisingtoofast,andthedevelopmentofrelatedlegalsystemlagsbehindthereallife,andAndtheinsurancecontractbothsidescluetoprofessionaldifferences,makesuseoftheexemptionclauseistoregulatetheelements.Triggeredbyt
6、heactualsituationismanyoftheinsurertomisleadpolicyholdersbyusingtheexemptionclausewhichmakesbothpartiesunderstandnotconsistent,disagreement,andthroughoutthejudicialpracticeofourcountry,rclatingtotheinsurancecontractexemptionclauselitigationdisputesaccountedforcivillitigationintheproportio
7、nofrisingyearbyyearshowsnotonlythenewawakeningofthenationalconsciousnessinourcountry,morereflectedintherelevantlawsinourcountryshouldbeimproved.Thispaperismainlythroughthevariousproblemsoftheexemptionclauseofinsurancecontractexistsintheapplicationandintorprctationof
