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Research on the Asymmetric Information of Insurance Contract

Author: LinHong
Tutor: XuWeiDong
School: Jilin University
Course: Civil and Commercial Law
Keywords: Insurance contract Information asymmetry Utmost Good Faith Obligation to inform Non - defense Terms
CLC: D922.284
Type: PhD thesis
Year: 2009
Downloads: 1105
Quote: 12
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Abstract


For information , the insurance contract has a high degree of dependency , the main parties involved in the market , adequate exchange of information is an important guarantee for fair trade and improve market efficiency . Optimization of the insurance contract , to achieve real freedom of contract and Contract Justice , it is necessary to solve the asymmetric information in insurance transactions , insurance transactions the possible equal status Contracting . The presence of information asymmetries in the insurance market is absolute , can not be eliminated , which is determined by the nature of the insurance system , insurance law to solve is not how to eliminate the phenomenon of asymmetric information , but rather to minimize the information asymmetry the negative impact to the insurance market . This article is focused solve the insurance contract information asymmetry problem , through the analysis of information asymmetry in the insurance contract , the hazards and causes , to develop a series of mandatory legal obligations as far as possible the disclosure of information , in order to achieve lower transaction costs and promote trading exact purpose of maintaining trading order to better protect the interests of the parties .

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CLC: > Political, legal > Legal > Chinese law > Financial Law > Insurance Law
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