保险契约信息不对称的法律规制

投保人与保险人对风险信息占有的不对称会导致逆向选择、道德风险问题 ,因此需要法律制度激励真实信息披露 ,以实现契约最优。这主要包括立法规制和司法规制 :前者如说明义务、告知义务和通知义务、特别约定条款的拟定和解除权的行使等 ;后者如司法审判中不利解释原则的适用。

Legal Regulation on Information Inequality of Insurance Contract

The essence of insurance contract is exchange of risk information. The inequality between insurer and the insured in possession of risk information lead to reverse option and moral risks and therefore needs law to give incentives for real information reveal. Such law includes both legislative rules and judicial rules. The former obliges parties with explaining, informing and notice and provides contract clauses and dismiss; the latter provides, such as interpretation rules in judicial process.