保险人解除权与撤销权的竞合问题研究

中图分类号：D922.284 文献标识码：A 文章编号：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

在现代保险法律体系中，保险合同的订立与履行是基于双方当事人诚实信用原则的严格遵循。（剩余5865字）