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摘要保险商业行为有别于普通商业行为，其性质对于诚信守则有着高于其他商业行为的法律约束，该法律约束被称为最大诚信原则。该项原则的贯彻与否决定了保险行业的健康发展，在保险活动中有着举足轻重的地位。尽管我国保险法规已经肯定了最大诚信原则的重要性，但是在法律制定及研究仍不够完善，对保险发展造成消极影响。基于以上现状，本位将着重描述最大诚信原则的重要性，已经对投保人告知义务进行分析研究。45804
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本文通过先通过最大诚信原则的背景分析，再逐步分析投保人如实告知义务的理论概况及法律条款。修订后的《保险法》在投保人如实告知义务的法律制定方面，条款制定更完善、更精确，但仍存在很大不足。在对该条款分析中，从主体、范围、时间、法律违规判断四个方面研究其法律制定的特点及缺陷。并根据上述四个方面的缺陷，在最后给出四点关于该法律制定的建议。
毕业论文关键词：投保人；法律制定；告知义务
Abstract Insurance business practice as opposed to ordinary business behavior, their code is higher than other commercial nature for good faith acts of law, the law known as the doctrine of utmost good faith. Implementation of this principle depends on the healthy development of the insurance industry, has a pivotal role in the insurance activities. Although insurance regulations in China have confirmed the importance of the principle of utmost good faith, but in the law-making and the research is still inadequate, negative impact on the insurance. Based on the above situation, standard will focus on describing the importance of the principle of utmost good faith, has been to study the policyholder disclosure obligation. This paper is pided into three parts. Part one focuses on Chinese characteristic of the utmost good faith principle, aims to show the importance of the principle of utmost good faith in insurance industry, as well as in the domestic implementation of regrettable situation. The second part describes the insured person the duty to inform, including its definition, characteristics, status and shortcomings to objectively describe the applicant in terms of the duty to inform in the domestic State of development. Third part is based on the second part of the analysis, to policyholders informing obligation in China and put forward feasible proposals.
Based on the analysis by the principle of utmost good faith background, and then step through the insured theoretical overview of the duty to inform and the legal provisions. Revised insurance law in the law-making aspect of the insured person the duty to inform, develop better, more accurate articles, but there is still a major problem. On the analysis of articles, subject, scope, time, research on legal violations judge four aspects of its law-making and the defects. And according to the four aspects of the defect in the final feasibility legislation presented a four-point proposal.
Key words：Policy-holder；The law-making；Inform obligation
目 录
摘 要 I
ABSTRACT II
引言 1
一、保险市场的最大诚信原则 1
（一）我国保险行业最大诚信原则执行现状不佳 2
（二）最大诚信原则的重要性 3
（三）最大诚信原则在《保险法》中的相关条例 3
二、投保人如实告知义务的相关事项 4
（一）投保人如实告知义务定义 4
（二）投保人如实告知义务的模式 4
（三）投保人如实告知义务的重要性 5
（四）法律条款变化 5
三、《保险法》中投保人如实告知义务的具体事项及其缺陷 6