Research On Legislation Perfection Of Chinese Double Insurance System

With the rapid development of Chinese insurance industry,insurance has become an important investment method and protection method for people.As a result,there are more and more double insurance issues,which have aroused widespread concern.Double insurance system is an important part of the insurance law.Its main legislative significance lies in embodying the principle of loss compensation,maintaining the principle of utmost good faith,restraining moral hazard,and enhancing security.Sound and perfect double insurance system will play a very important role in the sustained and healthy development of the entire insurance industry.Therefore,many countries and regions have carried out detailed regulations on double insurance,but the provisions of the double insurance system in Chinese "Insurance Law" is very imperfect,resulting in a considerable number of problems in practice,which is not conducive to its role,to achieve its legislative purpose.Therefore,the establishment of a complete double insurance system can not only enhance the risk of insurance,but also restrain the moral hazard.It is of great significance to the development of China’s insurance industry at this stage.This article starts from the defects of Chinese reinsurance system,proposes to combine domestic and foreign legislation on the provisions of double insurance and a variety of academic theories,to analyze our country’s double insurance system in combination with specific cases to illustrate my own views and put forward specific suggestions for improvement.Mainly from the following parts:1.Introduce the research background and research content of this article.2.Introduce a brief introduction to the origin,significance,and status quo of the reinsurance system,and mention some problems that currently exist in Chinese legislation.3.Analyze and contrast the scope of application of double insurance,and suggest that our country’s legislation should choose a broad sense.4.To make specific suggestions for the subject of the implementation of the double insurance notification obligation,the time of performance,the method of performance,the content of performance,and the legal consequences of failing to fulfill the notification obligation.5.The legal effect of making a duplicate insurance contract should distinguish between good faith and bad faith and make different regulations.6.Analyze and discuss the principle of internal amortization and the principle of external amortization for good faith duplicate insurance contracts,and draw specific conclusions.Finally,the results of this study are summarized in order to provide a reference on legislation perfection of double insurance system in China.