最大诚信原则是保险的基本原则之一。《保险法》第五条规定“保险活动当事人行使权利、履行义务应当遵循诚实信用原则”。随着保险业的对外开放和发展壮大,诚信问题日益成为社会和保险业界关注的焦点。由于受各种主客观因素的影响,目前诚信缺失已成为制约我国保险业可持续发展的因素,成为保险业必须面对的严峻问题。 The principle of maximum integrity is one of the basic principles of insurance. Article 5 of the Insurance Law stipulates that “parties to insurance activities exercise their rights and perform their obligations should follow the principle of good faith.” With the opening up and development of the insurance industry, the issue of integrity has increasingly become the focus of attention in the social and insurance industries. Due to various subjective and objective factors, the current lack of honesty and credit has become a factor that restricts the sustainable development of China’s insurance industry and has become a serious problem that the insurance industry must face.