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  • 格式合同论文 关于格式合同论文范文参考资料

    此文是一篇格式合同论文范文,为你的毕业论文写作提供有价值的参考。

    格式合同经济分析和法律适用范围

    摘 要:保险产品几乎无一例外地采格式合条款形式,由保险人为重复使用而预先拟定,并在订立合同时未与对方协商,投保人仅就核心给付描述条款享有填空权,对于合同中权利义务及风险安排,无磋商余地.格式合同内容控制制度与一般合同条款因内容违法、悖俗违法这类效力审查制度,存在特别法与一般法的关系.格式条款部分无效后,应通过补充解释与任意法规范替代进行效力填补.从解释论出发,结合经济分析,厘清格式合同审查与传统合同条款审查制度的层级,分析其审查范围和标准的特殊性,梳理清晰的格式合同内容控制适用体系.

    关键词:格式合同;免责条款;经济分析;效力审查

    一、 格式条款内容控制的体系定位

    1. 民法角度:对合同正义的背离.合同自由是私法自治的最根本原则.合同的内容控制意味着对契约自由原则的结果——合同效力的全部或部分否定,构成对仅仅由契约自由即得成立的契约正义的减损和对私法自治的背离,需要出示正当性理由.抑或,从格式合同的内涵看,它非为当事人协商的结果,背离契约自由原则要求的“当事人磋商意思表示一致”,全面禁止此类缔约形式.

    第一,格式条款缔约方式的全面禁止的不可达成.格式条款的效率因素有效满足市场交易的需求:首先,从格式合同产生方面,生活中区分行业和相对人的,经重复使用和不断淘汰选择,最终为全行业选定的示范性合同条款,有其经济上的合理性.其次,从格式合同使用方利益考虑,在这种合同中,要约方是特定的,承诺方是任意的,要约人以固定条款内容向与多数人订立合同,使得合同订立过程简化,仅需一次“要约—承诺”,节约信息成本和缔约成本,促进交易频率.再次,从格式合同相对方利益考虑,即使是处于缔约劣势地位的小型企业及消费者,尤其是针对日常交易类型,鉴于快速交易的需求,也无法顾及合同内容中的每个细节,反复磋商.而行政机构、第三方提供的通用标准文本范本有类似于商业惯例、行业规则等非正式的“柔性规范”的作用.经交易者反复博弈约定俗称,不会出现较大的利益偏差和失衡.综上,格式合同的整体排除不可达成.

    第二,合同内容控制是对契约自由的结果全部或部分的否定,是对契约自由原则的背离,需要为制度提供正当性理由.契约自由要求契约以当事人意思表示一致而成立,一方当事人即受契约约束,同时拘束他方当事人,此种形式自由应得到法律承认.仅在格式条款拟定方严重偏离任意法规范的本旨与核心,滥用合同自由,形式自由无法保障实质的合同正义,才有必要动用特别衡平机制,从而合同法、消保法和保险法等特别法对格式合同内容控制之规定,使得合同客观等值原则成为判断合同公平之一般标准,而格式条款是否有自始就不应被纳入合同(《合同法》第39条第1款)或者无效(《合同法》第40条)之情事的判断上,即要求司法扮演积极的角色,经由司法介入审查后,才能判定是否具有拘束力,此即为民法为格式合同介入审查提供的正当化理由.

    2. 法学与经济学的对话:格式条款规制的基本问题.

    (1)契约正义与经济学上“不完全竞争”导致“不完备合同”的法律填补.依据经济学原理,完全竞争市场得以自动达到生产与分配的平衡和最高的效率.于此相应,各个主体在完全竞争市场中得以达成的合意也得以获得最平衡的利益.而完全竞争市场经常被偏离,它的达成需要满足严格的条件,其中最为重要的条件,即为“不存在垄断现象”以及“完全信息”.正如美国经济学家斯蒂格勒(Stigler)所说的那样;“任何单独的购买者和销售者都不能依凭其购买和销售来影响价格,用另一种方式来表达,就是:任何购买者面对的供给弹性是无穷大的,而销售者面临的需求弹性也是无穷大的”.另外,“完全信息”假设市场主体均得以获取完全的和足够的信息.当然,对于单个市场主体而言,至关重要的即为所经营产品的供求信息;对整个商品社会而言,同样如此,价格是决定供求的无形指标,发挥着隐形的中介作用.“完全信息”无法达成时,将导致两种情形:一为信息的不对称性,二为信息的不确定性.

    但现实是,并不存在任何一个市场可以符合完全竞争市场的要求,于此相应,绝大部分的合同也无法达到完全合同的要求.而“不完全合同”正是合同内容控制制度所关注的审查和规制的对象.于此,“不完全合同”的识别与转换,即成为本节首要解决的问题.在识别方面,首先需要分析和确定"完全合同"赖以存在的主观基础与客观基础,并作为市场上合同双方尽量接近的目标与标准.格式合同双方当事人就条款拟定方是否基于“公平原则”和“给付均衡原则”确定双方权利义务发生争议的,即应当以“完全合同”赖以存在的主客观条件为标准,比较发生争议的不完备合同与这些条件的差别,重新进行权益和风险的配置.

    (2)立法与效率.尽管不完全合同有其经济上的必要性,但那只是一种宏观的判断.就具体的合同而言,就具体的利益实现而言,有时合同当事人还是需要一个完全合同.也就是说,不完全合同在出现疑义时,还是需要补充机制,来明确权利义务.但补充何内容,尤其是当合同呈交到权力机构(如法院、仲裁机构等)面前时,他们的倾向和标准是什么,法学家说公平,经济学家说效率.于是我们需要继续追问,法学家所谓的公平究竟是超越于效率还是依附于效率,所以,对于格式合同中的公平和效率有一个清晰的认识,才能为不完全合同的填补提供一个坚实的参照点.

    格式条款立法的重要目标之一:法律政策所鼓励的行为方式不能因市场垄断地位而受阻.鉴于原材料、机器和劳动力有限的条件下,尽可能的满足人类的实际需要就是效率问题.法哲学和经济哲学的对话中,我们看到无论是以康德(Kant)、哈耶克(Hayek)为代表的古典自由主义学者,抑或以边沁(Bentham)为代表的福利经济主义学者,以及森(Sen)和海萨尼(Harsanyi)为代表的新福利经济主义学者,这些学派共通的主张和要求为:使当事人意思自治的合意成为可能,并且给予法律上的约束力.这与新制度经济学家科斯(Coase)总结的科斯定理不谋而合:只要财产权是明确的,或产权的重新配置的交易成本为零或者很小,那么私人的交易过程将成为最有效的资源分配方式.由此,分配效率和自我决定是法学和经济学共同追求的目标和价值.在立法上,主要体现在:(1)保障私人自治(主要由《民法通则》以及《合同法》中规制"法律行为"的规范承担);(2)风险负担和降低交易成本(主要由《合同法》规范承担).

    格式合同论文范文结:

    大学硕士与本科格式合同毕业论文开题报告范文和相关优秀学术职称论文参考文献资料下载,关于免费教你怎么写格式合同无效的情形方面论文范文。

    1、职称论文格式

    2、英文参考文献格式举例

    3、大学生毕业论文格式

    4、论文的格式模板

    5、普通论文格式

    6、论文基本格式

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