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追求意思自治与保障给付均衡是合同规制两大原理,两者具有动态互补关系。针对格式合同场合,发展出缔约信息义务与内容控制规则。司法解释(二)对《保险法》第17条的解释呈现出形式化倾向,致使保险消费者缔约信息保护功能被弱化。因此,须强化对保险格式条款之内容控制,注意发挥《保险法》第19条及相关条文的规范功能。因保险法的内容控制规则较为粗糙,应细化不当条款类型,积极谨慎进行法律适用。
The pursuit of the autonomy of means and the protection of the balance of payment are the two principles of contract regulation, both of which have dynamic complementarity. For the format of contract occasions, the development of a treaty of information obligations and content control rules. Judicial Interpretation (II) Interpretation of Article 17 of the Insurance Law shows a formal tendency to weaken the information protection function of insurance consumers. Therefore, it is necessary to strengthen the content control over the terms of the insurance scheme and pay attention to the normative functions of Article 19 and related provisions of the Insurance Law. Because the contents of the insurance law control rules are more rough, should be refined type of inappropriate terms, and actively apply the law cautiously.