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1、THELAWOFINSURANCECONTRACTSINTHEPEOPLE'SREPUBLICOFCHINA.ACOMPARATIVEANALYSISOFPOLICYHOLDERS'RIGHTS.byAlbertoMontiUniversityofMilanoLawSchoolandICERInternationalCentreforEconomicResearchNovember2001ABSTRACTTheimplementationofChina'seconomicreforms,beginningintheearly80's,
2、andtheformalestablishmentofa"SocialistMarketEconomy"inthefollowingdecade,stimulatedsubstantialchangesandimprovementsintheInsuranceLawsandRegulationsofthePeople'sRepublicofChina(hereafter:PRC).Theneedforamodernandsophisticatedlegalframeworkaimedatregulatingrightsandremed
3、iesarisingoutofinsurancecontracts,aswellastheinsurancebusinessingeneral,becameclearandcompellingassoonastheCommunistStatebeganitsslowbutinexorableretreatanditceasedtotakecareofeveryaspectofthelifeoftheChinesePeople.Inthenewsocialistmarketcontext,theinsurancecontractispr
4、edestinedtobecomethemostimportantlegalandeconomictoolavailabletothoseindividualswhoarenotwillingand/orabletobeartheentiretyoftherisksassociatedwiththeimplementationofthemoderneconomicreforms.Againstsuchbackdrop,thispaperisaimedatexploringthehistoryofinsuranceinChinaaswe
5、llastheframeworkofinsurancelawsandregulationenactedinthePRCduringtherecentyears.Inparticular,thefocusofthisessaywillbeuponthelegalprinciplesandrulesthatcurrentlygoverninsurancecontractsandtherelationshiptherebyestablishedbetweentheinsurancecompanyandtheinsured.Hence,the
6、analysisofthelegalprotectionofpolicyholders'rightsandinterestsinChinawillcenteraroundtherulesofinsurancecontractsinterpretation,integrationandperformanceatpresentinforce.Inlightoftheinternationalnatureofthecontractofinsurance,thispaperwillalsoofferacomparisonofdifferent
7、approachestopolicyholders'protectionadoptedinvariouslegalsystemsbelongingtoboththecommonlawandthecivillawtradition.I.Introduction.TheimplementationofChina'seconomicreforms,beginningintheearly80's,andtheformalestablishmentofa"SocialistMarketEconomy"inthefollowingdecade,s
8、timulatedsubstantialchangesandimprovementsintheInsuranceLawsandRegulationsofthePeople'sRepublicofChina(hereaft
