全球人壽安全監控功能經營常務研究會并于人壽安全協議糾紛調解重大案件光于難題的復函

 【發布信息標準】中(zhong)國國商業(ye)保險(xian)監督檢(jian)查工(gong)作(zuo)管理理事會會

  【發(fa)部文號】

  【發(fa)布的(de)期限】2006-02-21

  【開始生(sheng)效期(qi)限】2006-02-21

  【損壞起止(zhi)日期】

  【相關類】現行政策參考價值(zhi)

  【壓縮文件源(yuan)于】中國(guo)現代保費(fei)質量監督工作管理理事(shi)會會

南充市(shi)二級(ji)公民(min)人民(min)檢察院(yuan)：

你院關(guan)(guan)于咨詢保險合同糾紛案件有(you)關(guan)(guan)問題(ti)的函（〔2005〕渝高法民終字第174號）收悉。經(jing)研(yan)究，現就有(you)關(guan)(guan)問題(ti)函復如(ru)下：

一、介紹屬實(shi)告知書模板責任

標(biao)準商(shang)(shang)(shang)業(ye)(ye)穩(wen)(wen)定公司法第六(liu)七條相關規定，購買商(shang)(shang)(shang)業(ye)(ye)穩(wen)(wen)定人(ren)(ren)(ren)(ren)(ren)簽署(shu)商(shang)(shang)(shang)業(ye)(ye)穩(wen)(wen)定公司承包合同(tong)時(shi)的事先確認(ren)盡(jin)(jin)權(quan)利(li)義(yi)務(wu)權(quan)利(li)，應(ying)當是指質詢確認(ren)，即商(shang)(shang)(shang)業(ye)(ye)穩(wen)(wen)定公司人(ren)(ren)(ren)(ren)(ren)以書面(mian)材料(liao)和書面(mian)風格提起質詢，購買商(shang)(shang)(shang)業(ye)(ye)穩(wen)(wen)定有盡(jin)(jin)權(quan)利(li)義(yi)務(wu)權(quan)利(li)使用確認(ren)。假若(ruo)商(shang)(shang)(shang)業(ye)(ye)穩(wen)(wen)定公司人(ren)(ren)(ren)(ren)(ren)對關以問題已在安全隱(yin)患的情況質詢表(biao)上提起，購買商(shang)(shang)(shang)業(ye)(ye)穩(wen)(wen)定人(ren)(ren)(ren)(ren)(ren)未填(tian)寫內容，應(ying)算(suan)作購買商(shang)(shang)(shang)業(ye)(ye)穩(wen)(wen)定人(ren)(ren)(ren)(ren)(ren)未落實確認(ren)盡(jin)(jin)權(quan)利(li)義(yi)務(wu)權(quan)利(li)。

前(qian)(qian)提(ti)條(tiao)件商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)法(fa)第10條(tiao)、借(jie)款簽(qian)訂(ding)(ding)(ding)勞(lao)務(wu)(wu)協議(yi)法(fa)六(liu)10條(tiao)標(biao)(biao)準規定(ding)，商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)借(jie)款簽(qian)訂(ding)(ding)(ding)勞(lao)務(wu)(wu)協議(yi)兩個當事人(ren)行駛追(zhui)求、負(fu)(fu)(fu)責(ze)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)必要怎樣重(zhong)要理(li)論依據(ju)誠實個人(ren)信用理(li)論重(zhong)要理(li)論依據(ju)，借(jie)款簽(qian)訂(ding)(ding)(ding)勞(lao)務(wu)(wu)協議(yi)負(fu)(fu)(fu)責(ze)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)工作中怎樣利用借(jie)款簽(qian)訂(ding)(ding)(ding)勞(lao)務(wu)(wu)協議(yi)的(de)(de)特性(xing)、的(de)(de)和合(he)作良好習慣負(fu)(fu)(fu)責(ze)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)知(zhi)會單(dan)、幫助等友善(shan)(shan)附隨必要。商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)時，如商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)明(ming)明(ming)要知(zhi)道(dao)或怎樣要知(zhi)道(dao)部分關鍵事宜包涵商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)標(biao)(biao)地(di)(di)安(an)全風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)因(yin)素，引響到商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)而(er)定(ding)有無商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)理(li)賠(pei)或提(ti)升商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)利率，及時商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)不(bu)存在開始(shi)明(ming)確化了解(jie)，商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)特征提(ti)取友善(shan)(shan)理(li)論重(zhong)要理(li)論依據(ju)，也應(ying)開始(shi)應(ying)當說(shuo)明(ming)書(shu)怎么寫(xie)也許詢問；如商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)借(jie)故(gu)不(bu)負(fu)(fu)(fu)責(ze)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)此種友善(shan)(shan)必要，前(qian)(qian)提(ti)條(tiao)件借(jie)款簽(qian)訂(ding)(ding)(ding)勞(lao)務(wu)(wu)協議(yi)法(fa)四、第十(shi)二條(tiao)第（二）、（三）款，商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)要負(fu)(fu)(fu)責(ze)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)締約過失傷(shang)害的(de)(de)損失索賠(pei)義(yi)務(wu)(wu)書(shu)。再者，前(qian)(qian)提(ti)條(tiao)件商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)法(fa)其三十(shi)六(liu)條(tiao)，商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)借(jie)款簽(qian)訂(ding)(ding)(ding)勞(lao)務(wu)(wu)協議(yi)建立后，商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)標(biao)(biao)地(di)(di)安(an)全風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)水(shui)平(ping)延(yan)長(chang)的(de)(de)，商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)依據(ju)決定(ding)應(ying)負(fu)(fu)(fu)知(zhi)會單(dan)必要；一旦(dan)，對因(yin)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)標(biao)(biao)地(di)(di)安(an)全風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)水(shui)平(ping)延(yan)長(chang)而(er)的(de)(de)發生(sheng)的(de)(de)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)死亡事故(gu)，商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)單(dan)位(wei)不(bu)負(fu)(fu)(fu)責(ze)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)索賠(pei)義(yi)務(wu)(wu)書(shu)。

二、相(xiang)關穩妥法(fa)條解說

你院(yuan)來函未附本(ben)案涉及的(de)(de)(de)具體(ti)保(bao)險(xian)(xian)(xian)條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)文本(ben)，因此我們難以(yi)確定該條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)實際版本(ben)。根據承(cheng)保(bao)時(shi)間(jian)推斷，該《財(cai)產保(bao)險(xian)(xian)(xian)綜合(he)險(xian)(xian)(xian)》條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)應是由(you)(you)中(zhong)國(guo)(guo)人(ren)民(min)銀(yin)行于(yu)(yu)1996年制定并頒發(fa)實施的(de)(de)(de)。根據我會《關于(yu)(yu)財(cai)產保(bao)險(xian)(xian)(xian)條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)費率備(bei)案管(guan)理的(de)(de)(de)通(tong)知》（保(bao)監發(fa)〔2001〕120號）的(de)(de)(de)有(you)(you)關規定，該險(xian)(xian)(xian)種的(de)(de)(de)條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)在中(zhong)國(guo)(guo)保(bao)監會未修訂前(qian)，仍按中(zhong)國(guo)(guo)人(ren)民(min)銀(yin)行的(de)(de)(de)原規定執行。保(bao)險(xian)(xian)(xian)公司繼(ji)續(xu)使用該條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)，不(bu)需履行有(you)(you)關報備(bei)手(shou)續(xu)。而(er)非由(you)(you)中(zhong)國(guo)(guo)保(bao)監會制定或(huo)修訂的(de)(de)(de)保(bao)險(xian)(xian)(xian)條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)，中(zhong)國(guo)(guo)保(bao)監會不(bu)負責解釋(shi)。該條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)有(you)(you)關術語的(de)(de)(de)解釋(shi)，請參考(kao)中(zhong)國(guo)(guo)人(ren)民(min)銀(yin)行在《關于(yu)(yu)印(yin)發(fa)<財(cai)產保(bao)險(xian)(xian)(xian)基本(ben)險(xian)(xian)(xian)>和<財(cai)產保(bao)險(xian)(xian)(xian)綜合(he)險(xian)(xian)(xian)>條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)、費率及條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)解釋(shi)的(de)(de)(de)通(tong)知》（銀(yin)發(fa)〔1996〕187號）。該通(tong)知所附的(de)(de)(de)《財(cai)產保(bao)險(xian)(xian)(xian)綜合(he)險(xian)(xian)(xian)條(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)解釋(shi)》中(zhong)對(dui)“危險(xian)(xian)(xian)建筑(zhu)”未作(zuo)出明(ming)確定義(yi)，但其(qi)第(di)三條(tiao)(tiao)關于(yu)(yu)“所列明(ming)的(de)(de)(de)財(cai)產不(bu)屬于(yu)(yu)本(ben)保(bao)險(xian)(xian)(xian)標(biao)的(de)(de)(de)承(cheng)保(bao)范圍”主要原因說明(ming)的(de)(de)(de)第(di)三項“不(bu)利于(yu)(yu)貫徹執行政府有(you)(you)關命(ming)令或(huo)規定，如違(wei)章(zhang)建筑(zhu)及其(qi)他政府命(ming)令限期拆除、改建的(de)(de)(de)房(fang)屋、建筑(zhu)物(wu)”，可以(yi)作(zuo)為(wei)一個(ge)參考(kao)標(biao)準；第(di)四(si)條(tiao)(tiao)中(zhong)對(dui)“突發(fa)性滑坡”的(de)(de)(de)定義(yi)為(wei)“斜坡上不(bu)穩的(de)(de)(de)巖體(ti)、土體(ti)或(huo)人(ren)為(wei)堆積(ji)物(wu)在重力(li)作(zuo)用下突然整(zheng)體(ti)向下滑動”。

三、光(guang)于保險公(gong)司公(gong)估鑒定會

意義你要(yao)發(fa)部的(de)(de)(de)(de)《保費(fei)(fei)公估組織機構管理系統(tong)的(de)(de)(de)(de)規(gui)定(ding)》，保費(fei)(fei)公估大企(qi)業是依法(fa)行(xing)政由中國國保監會簽發(fa)設(she)立企(qi)業的(de)(de)(de)(de)，進行(xing)保費(fei)(fei)證人都交給(gei)，專(zhuan)程跨(kua)專(zhuan)業保費(fei)(fei)標志的(de)(de)(de)(de)估評、勘驗、司法(fa)鑒定(ding)費(fei)(fei)、估損、理算等業務流程的(de)(de)(de)(de)部門。保費(fei)(fei)公估大企(qi)業進行(xing)證人單方(fang)都交給(gei)所做(zuo)的(de)(de)(de)(de)有(you)關于司法(fa)鑒定(ding)費(fei)(fei)答案，證人以(yi)免質疑(yi)，類屬實際上(shang)申(shen)報要(yao)素，應由法(fa)院(yuan)網所作調(diao)察申(shen)報。

二○○五(wu)年(nian)二月2三日