大数据背景下保险人合同解除权的制度重构

朱晓婷1; 张  瀚2

大数据背景下保险人合同解除权的制度重构

引用本文：朱晓婷1，张瀚2.大数据背景下保险人合同解除权的制度重构[J].财经理论与实践,2020,(5):146-153

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作者	单位
朱晓婷1，张瀚2	（1.北京航空航天大学法学院，北京 100191； 2.华南理工大学法学院，广东广州 510006）

中文摘要:大数据时代的技术进步深刻地改变着保险交易双方的信息力量对比，降低了保险人对投保人信息披露的依赖程度。保险法律制度面对技术进步带来的变革，需要合理配置保险交易注意义务的结构，加强保险人的信息核查义务，限制保险人合同解除权的滥用，以实现保险交易双方权利和法益的再平衡。

中文关键词:大数据保险合同解除权风险信息披露义务信息核查义务

Institutional Reconstruction of Insurer's Right to Rescind Contract in the Era of Big Data

Abstract:The advent of big data era has profoundly changed the information power comparison between insurance parties, effectively reducing the insurer's dependence on information disclosure of the policyholder. In the face of the reform brought by technological progress, the insurance legal system needs to rationally allocate the structure of care duty in insurance transaction, strengthen the insurer's information verification obligation, and limit the abuse of insurer's contract rescission right, so as to realize the rebalancing of rights and legal interests of both parties in the insurance transaction.

keywords:big data rescission right of insurance contract the duty of information disclosure the duty of information verification

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