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随着现代经济快速发展,人们越来越重视保险合同对其利益的保护。但在履行保险合同过程中常会由于合同语言的歧义或含糊引起纷争,不利解释原则的提出为这类问题的解决指明了方向,它对处于弱势的保险相对人的利益保护发挥着举足轻重的作用。但由于我国保险业起步晚,在保险格式条款解释理论上研究尚不充足,缺乏系统的、规范的解释原则和理论,导致在有关不利解释原则适用问题上存在诸多争议,有待进一步完善。
With the rapid development of modern economy, people pay more and more attention to the protection of their interests under the insurance contract. However, disputes often arise due to ambiguity or ambiguity in the contractual language during the performance of insurance contracts. The introduction of the unfavorable interpretation principle points out the direction for the settlement of such problems and plays a decisive role in the protection of the interests of the disadvantaged relatives. However, due to the late start of the insurance industry in our country, the research on the explanation of the clauses in the insurance scheme is not sufficient. The lack of systematic and normative principles and theories of interpretation leads to many controversies on the application of the principle of unfavorable interpretation, which needs to be further improved.