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改革开放以来,随着保险业的快速发展,保险业在经济社会中的地位和作用日益重要。2005年,我国实现保费收入4927亿元,世界排名比2000年上升了5位;全国共有保险机构93家,其中外资40家。然而,在保险业迅猛发展的同时,保险人与投保人之间的利益争端也与日俱增,其中由保险人的说明义务引发的纠纷更是屡见不鲜。笔者认为,在公众意识和法律意识不
Since the reform and opening up, with the rapid development of the insurance industry, the position and role of the insurance industry in the economy and society have become increasingly important. In 2005, China achieved a premium of 492.7 billion yuan, up by 5 places from the world ranking in 2000. There were 93 insurance institutions in the country, of which 40 were foreign-funded. However, with the rapid development of the insurance industry, the conflicts of interest between the insurer and the policyholders also increase day by day, and disputes caused by the insurers’ obligations of explanation are even more common. The author believes that public awareness and legal awareness are not