论文部分内容阅读
近因原则是处理海上保险理赔的重要原则,该原则用于判断海上承保风险与标的损失之间是否具有直接、有效、决定性的因果关系,以此来确定保险人的责任。本文主要运用科斯三定理分析近因原则与因果关系区分的意义、确立近因原则的价值所在以及对近因原则是否需要立法进行了法经济学分析。通过本章分析,更加确定了对近因原则立法的必要性,该原则的存在能降低交易成本,增加社会利益。
The principle of proximate cause is an important principle in handling claims of maritime insurance. This principle is used to determine whether there is a direct, effective and decisive causal relationship between the risk of underwriting and the subject-matter loss, so as to determine the liability of the insurer. This paper mainly uses Coase’s three theorems to analyze the significance of the principle of proximate cause and the relationship between cause and effect, to establish the value of the principle of proximate cause, and to analyze the law whether the principle of proximate cause needs legalization. Through the analysis of this chapter, the necessity of legislation on the principle of proximate cause is further confirmed. The existence of this principle can reduce transaction costs and increase social benefits.