保險人解除權(quán)與撤銷權(quán)的競合問題研究

中圖分類號：D922.284 文獻標識碼：A 文章編號：2095-6916（2025）15-0056-04

Study on the Concurrence of Insurer’ s Right to Terminate and Right to Rescind

Hu YifanYu Xiaoyu （School of Business，Xinyang Vocational and Technical College，Xinyang 464000）

Abstract：Incasesof theinsured’s“fraudulentmsrepresentatio”，aconcurencearisesbetweentherighttoteminateunderAticle 16ofthensuranceLawandtheighttoresindunderArticle48oftheCilCode.Currntlawsandjudicialinterretatioslackclear guidance，leadingtoinconsistentjudicialstandads.esetoightsareidependentlegalsysteswithignificantdiferencesiosti tiverequirements，egulatorysopeandlgalconseuences，andtesimpleaplicatioof teprinciplethat“speciallawprevailsovergenerallaw”isiaatesrsgstsatfrosiofsiolialiteisldaify theapplicatioofteisuer’sighttoesdlltheoiceetwticle6ftesuanceLticle48ofelode andaendt“igtinate”intsuaceLwto“righttosind”，ostoesolegaloictsalanethiteetsfu ers and the insured，and achieve unified and fair legal application.

Keywords：insurance termination;contractrescisionright；institutional concurrence;fraudulentmisrepresentation

在現(xiàn)代保險法律體系中，保險合同的訂立與履行是基于雙方當事人誠實信用原則的嚴格遵循。（剩余5865字）