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摘要近年来，随着经济全球化的发展，海上保险的步伐持续向前迈进。伴随着海上保险业务量上升而来的问题也持续增加，最典型的问题当属保险索赔与理赔纠纷。
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在多数海洋运输货物保险赔偿纠纷案例中，保险公司经常提出“免责条款”来驳回被保险人的索赔请求。无疑，免责条款的存在，一方面保障了保险人的权益，让保险人避免代替被保险人承担过错遭受原可避免的经济损失，但由于保险人在合同关系中占有专业知识优势，因此另一方面，保险免责条款经常被保险人滥用以钻合同空子，进而侵害到被保险人的合法利益。鉴于此，我们有理由推测免责条款会在一定程度上对运输商投保意向造成影响，进而降低海上保险合同成交量。45654
本论文将探讨海上保险免责条款对运输商投保意向可能产生的具体影响。
毕业论文关键词：海上保险；保险免责条款；海上保险法；投保意向；信息不对称
Abstract
In recent years, with the development of economic globalization, the pace of the Marine insurance continues to move forward. Problems associated with higher volumes of Marine insurance also continues to increase, the most typical problem is the insurance claim and the settlement of disputes.
In most cases of the ocean Marine cargo insurance compensation dispute, the insurance companies often put Exclusion Clause forward to refuse the insured claims.
There is no doubt that the existence of the Exclusion Clause, on the one hand, protect the rights of the insured, help the insurer to avoid the economic loss that he must instead of the insured which could avoid, but because the insurer has professional knowledge superiority in the contractual relationship, on the other hand, insurance exclusion clause often abused by the insured to drill a loophole in the contract, which violate to the legitimate interests of the insured.
In view of this, we have reason to speculate the exclusion clause will affect transporters for intention in a certain extent, and reduce the marine insurance contract volume.
This paper will discuss the Exclusion Clause of marine insurance may cause what kind of influence on the transporters.
Key words： Marine insurance; Exclusion Clause; Marine insurance law; Insured intention；Information asymmetry
目 录
摘 要 I
Abstract II
一、海上保险现状概述 1
二、海上保险法中的海上保险免责条款 2
（一）一般性免责条款 2
（二）保险合同中的免责条款 4
（三）清晰获知免责条款权的范围确定 4
三、海上保险免责条款与发展现状不完全适应 5
（一）海上保险发展步伐受到制约 5
（二）清晰获知免责条款权具体范围难以界定 6
四、海上保险免责案例分析 7
（一）案例及法庭判决 7
（二）免责条款受保险人利用伤害被保险人权益 8
（三）案例对合同双方当事人的启示 9
五、海上保险合同免责条款对运输企业投保意向的影响 9
（一）增加运输商风险成本 9
（二）损害运输商利益 9
六、消除免责条款对运输企业投保意向的影响 10
（一）保险人要摆正理赔态度 10
（二）运输商应提高自身专业素养 10
（三）完善与免责条款相关的条例 11
参考文献 12
致 谢 13