暨南学报(哲学社会科学版)

作者：周学峰

单位：北京航空航天大学法学院。

关键词：保险条款,保险法,通俗化,易读性测试,汉语合同文本

基金：国家社会科学基金重大项目“社会主义核心价值观与我国商事立法完善”(17VHJ001)。

保险条款通俗化是降低保险人与被保险人之间信息不对称的重要手段。如果将保险条款通俗化作为一项强制性要求来进行监管,那么,就需要明确其标准。从美国的经验和汉语特点来看,采取主观标准与客观标准相结合的方式比较适宜。由于我国目前关于汉语文本易读性测试标准的研究尚不成熟,在一定程度上影响到了我国保险监管机构对保险条款通俗化的规制。如果某一保险条款未达到保险监管机构制定的保险条款通俗化的要求,保险监管机构可以拒绝批准、责令更改或进行行政处罚,但是,保险合同在当事人之间的效力不受影响。"/>template{display:none;}.mag-rich-xref-fn { cursor: pointer;}//长视频$(document).ready(function(){if($("#showLongArticleVideo") && $("#showLongArticleVideo").length && $("#showLongArticleVideo").length>0){mag_ajax_update({ele_id:'showLongArticleVideo',url:mag_currentQikanUrl() + "/CN/article/showLongArticleVideo.do?id="+$("#articleId").val()});}});$(document).ready(function(){window.metaData = {"journal":{"issn":"1000-5072","qiKanMingCheng_CN":"暨南学报（哲学社会科学版）","id":2,"qiKanMingCheng_EN":"Jinan Journal"},"fundList_cn":["国家社会科学基金重大项目“社会主义核心价值观与我国商事立法完善”(17VHJ001)。"],"article":{"keywordList_cn":["保险条款","保险法","通俗化","易读性测试","汉语合同文本"],"juan":"46","zhaiyao_cn":"保险条款通俗化是降低保险人与被保险人之间信息不对称的重要手段。如果将保险条款通俗化作为一项强制性要求来进行监管,那么,就需要明确其标准。从美国的经验和汉语特点来看,采取主观标准与客观标准相结合的方式比较适宜。由于我国目前关于汉语文本易读性测试标准的研究尚不成熟,在一定程度上影响到了我国保险监管机构对保险条款通俗化的规制。如果某一保险条款未达到保险监管机构制定的保险条款通俗化的要求,保险监管机构可以拒绝批准、责令更改或进行行政处罚,但是,保险合同在当事人之间的效力不受影响。","endNoteUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/article/getTxtFile.do?fileType=EndNote&id=6883","reference":"","bibtexUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=BibTeX&id=6883","abstractUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/10.11778/j.jnxb.20230055","qi":"1","id":6883,"nian":2024,"bianHao":"1706778273818-1644929720","zuoZheEn_L":"ZHOU Xuefeng","juanUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/Y2024","shouCiFaBuRiQi":"2024-02-01","qiShiYe":"61","qiUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/Y2024/V46/I1","lanMu_cn":"法学","pdfSize":"2107","zuoZhe_CN":"周学峰","risUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=Ris&id=6883","title_cn":"保险条款通俗化规制的法律意义:基于美国经验","doi":"10.11778/j.jnxb.20230055","jieShuYe":"78","keywordList_en":["insurance clauses","insurance law","simplification","readability test","Chinese contract text"],"endNoteUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=EndNote&id=6883","zhaiyao_en":"The simplification of insurance clauses is an important means to reduce the information asymmetry between the insurer and the insured. If the simplification of insurance clauses is considered as a mandatory requirement for supervision, then its standards need to be clarified. Advocating and regulating the simplification of insurance clauses through legislation originated from the Plain English Movement in the United States and was later borrowed by many other countries. The legislative experiences of the United States indicate that there is no perfect or indisputable standard forsimplification of insurance clauses. The subjective standards can easily lead to uncertainty, while objective standards can easily lead to rigidity and single-faced evaluation. The combination of subjective and objective standards as a whole is more reasonable.The experience of the US insurance industry shows that the simplification of insurance clauses is not simply a legal or linguistic issue. 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来源：2024年第1期

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