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胡春艳 《金融管理与研究(杭州金融研修学院学报)》2001,(6):38-40
电子信息方式代替了传统的书面形式,各种经济、民事合同均采用电子化形式,电子合同应运而生。由于“无纸合同”有着自身的法律特征,电子合同的相关法律问题,如订立电子合同中的要约与承诺、合同生效签名的认证等有待于立法的明确。本文结合《合同法》和有关国际立法对电子合同的形式、订立程序和签名认证等进行了剖析,提出电子合同的要约和承诺一般不得撤回,电子商务发展有必要接受在线公证,或第三方依赖机构的认证服务等观点。 相似文献
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合同订立的基本原则为一方当事人向他方发出要约,若受要约人同意且发出承诺,则合同成立生效(梁慧星,2001)。保险合同亦是如此(韩长印,2010)。由投保人填写投保书向保险人发出要约,经保险人审核通过,保险人再向其签发正式的保险单等保险凭证,保险合同即成立生效(李志强,2016)。此即为《中华人民共和国保险法》(以下简称《保险法》)第十三条所规定的情况。 相似文献
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本文赞同当事人、意思表示一致和标的共同构成合同成立要件。无视标的作为合同的元素会带来不小的负面后果。意思表示一致即合意,对其判断和把握,在绝大多数的情况下,客观说/表示内容的一致论对双方当事人的利益平衡得更好,在合同欺诈、胁迫等场合采主观说/内心意思的一致论较为妥当。中国法及其理论也应当如此区分类型,确定有所差异的法律后果。在通常情况下,沉默不构成承诺,因为要约人没有理由因为受要约人的沉默而相信受要约人做出了承诺。而且,要约人无法通过约定沉默构成承诺以免受要约人不经意间做出承诺。但在特殊的情况下,可以将沉默视为承诺,如双方当事人之间已经形成如下交易惯例,或当地业已存在着如下交易习惯: 一方当事人向相对人发出要约,相对人未在要约指定的期间内答复也视为接受。在这种背景下,受要约人在收到要约后沉默,视为已经承诺。关于确认书的地位及效力,本文认为,在有确认书的场合,合同何时成立,首先由当事人的意思表示来决定,由于于此场合不涉及公序良俗的问题,应当贯彻意思自治原则。如果通过解释当事人的意思这条路径仍难得出妥当的结论,则有必要借鉴德国和美国的立法、判例和学说所形成的规则或意见,丰富中国民法的理论,服务于中国民法的实践。 相似文献
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通过网络进行的电子合同交易已成为当前日常商事活动的重要组成部分,在我国也受到愈来愈多的关注。本文将从最基本的要约和承诺问题入手,通过对国内外立法与学说的分析与比较,对其中我国有争议的一些问题提出个人的观点和意见。 相似文献
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投标是企业承诺招标文件的要约,如何通过投标取得合同,必须从做好投标准备开始,本文结合实际工作,提出如下建议,以供参考。 相似文献
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一、概念糊涂。《经济法》教材中有诸多法律术语,不少概念之间的含义非常相近,譬如有限责任公司与股份有限公司,要约、新要约、要约邀请与承诺,汇票、本票和支票,代收代缴、代扣代缴和委托代征,等等。考生看书时如不牢记这些概念的含义或不对这些概念细加区分,就会将《经济法》变成一锅米粥,焦糊不堪。 相似文献
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一、合同订立的基本问题 (一)合同订立人的缔约能力合同订立人的缔约能力是否合法,是合同能否生效的重要条件。根据《合同法》的规定,合同订立人包括自然人、法人和其他组织,合同订立人相应的民事权利能力和民事行为能力,委托他人代理订立合同时受托人的代理资格是合同订立人的缔约能力。 相似文献
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<正>一、高校采购合同管理的含义和现状(一)高校采购合同管理的含义合同是平等主体的自然人、法人、其他组织之间设立、变更、终止民事权利义务关系的协议。合同一经签订,只要其合法、有效,即具有法律约束力,合同双方的权利和义务就被限制在合同上。高校设备合同管理是指高校对合同进行依法订立、履行、变更、 相似文献
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史树林 《中央财经大学学报》2005,(12):53-56
我国保险法研究尚处于发展阶段,有关保险合同问题的认识比较混乱.本文针对争论比较多的保险合同的特征、保险合同中的要约与承诺、保险合同的形式以及保险利益等四个问题展开分析和讨论.文中充分利用了已有的研究成果,通过对比发现一些问题,并结合司法实践对相关问题进行再认识,从而提出了一些新的观点. 相似文献
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Christoph Kins 《保险科学杂志》2011,100(3):301-324
The article treats the issue of disputing an insurance contract for reasons of malice in the event of an insurance company failing to comply with the requirements pertaining to the risk-issue-conversation provided by the VVG. According to §19 Abs. 1 VVG, the policy holder is merely required to answer questions about risk issues that are presented to him in writing and timewise before the policy holder has submitted his offer respectively in the time frame between submission of the offer by the policy holder and the acceptance by the insurance company. It is contentious whether an insurance company that has violated §19 Abs. 1 VVG may nevertheless dispute the insurance contract for reasons of malice in case of misrepresentation or omission of information on part of the policy holder. The article argues for an application of §241 Abs. 2 BGB in conjunction with §123 Abs. 1 BGB in addition to §19 Abs. 1 VVG—and thus in favor of an insurance company’s possibility to dispute the insurance contract. The protection of the policy holder’s rights is not an issue in the problem of applying the correct provision. They must rather be considered when determining the requirements of the contract dispute. 相似文献
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Abstract In recent years, the combined effects of deregulation in financial services, along with advances in telecommunications and information technology, are forcing far-reaching changes upon the insurance industry. The result is the industry is becoming more competitive. The emerging role of electronic commerce (e-commerce) is particularly important and interesting to study. I offer a brief survey of the role of e-commerce in the insurance industry. The paper is organized in the following manner: Section 1 summarizes Internet trends and discusses various related public policy issues; Section 2 addresses online insurance supply and demand; Section 3 discusses the economics of disintermediation and reintermediation and explains how this applies to e-commerce in the insurance industry. Finally, Section 4 offers a set of concluding remarks. 相似文献
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There is not much known about the factors that determine online demand for insurances. This current study is a first attempt to locate the variables that affect the acceptance of online-purchase of an insurance policy from existing research and empirically verify them. Results show that good terms coupled with online purchase-experience is the most important cause for acceptance. Additionally, convenience (i.e., easy access to information through internet sites of insurance companies and easy and fast contracting), perceived barriers when transferring from a traditional insurance contract to an ?online contract“, information quality of the internet offer, perceived personal risk as well as perceived transaction risk are significant factors driving online demand for insurances. 相似文献
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本文从实践中的问题出发,以合同法及银行监管规则为基础,以商业银行的市场化发展为趋向,探讨了银行信贷合同中的利息法律问题,以供审判实务参考。 相似文献
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Andrew Likierman 《公共资金与管理》2001,21(1):53-56
This article provides an outline of the new arrangements for resource accounting and budgeting (RAB) in central government and Parliament. The author discusses some of the issues involved in the full implementation of RAB. He updates the position set out in two previous 'Public Money & Management' articles (Likierman, 1998a and 1998b), which described the background to the project and its progress. Some benefits of the new financial arrangements are already evident, the challenge now is to maximize the potential of what they can offer. 相似文献
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Marc Goergen Arif Khurshed† Ram Mudambi 《Journal of Business Finance & Accounting》2006,33(1-2):79-101
Abstract: UK firms going public have a choice between public offers and placings. This choice has important implications in terms of who bears the risk of the issue failing and of its costs. We find that firms with higher ex ante uncertainty choose a placing contract. Highly reputable sponsors and creditor screening serve as signals of firm quality, enabling such firms to choose a public offer. Large and multinational firms usually choose a public offer whereas there is some evidence that very small issues choose a placing. Finally, the 'hotness' of the IPO market increases the probability of placings. 相似文献
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金融改革:“转型”与“定型”的现状与未来 总被引:4,自引:0,他引:4
经济改革和经济转型是一个极其复杂的社会进程,在这个进程中,不断地改变与逐步的确立是两个紧密相联的方面。中国近30年的改革开放无疑属于转型的前期阶段,但目前确立的重要性已开始显现。为加快金融转型进而推进新型式的确立,金融改革需要进一步研究和深化的方面还有很多,本文提出了四个方面21个问题。当这些问题的改革有了实质性的推进之后,一个新的金融体系和运行机制便会建立起来,金融体制改革也将从转型为主导转变为以定型为主要内容的新阶段。 相似文献
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在商业银行业务实践中,授信额度合同尽管尚不属于主流的合同形式,但在银行各个业务领域中均有其适用的案例,在一些范围内甚至被用作主流合同的替代形式。由于没有明确的法律规定界定其涵义,商业实践中也尚未成为一种商业惯例。因此,授信额度合同给银行和客户的权利义务带来了一些不确定的因素。本文从授信额度合同的特征出发,重点讨论了授信额度合同的法律性质,并对审判实践中存在的未约定额度使用期限时授信额度合同的效力、授信额度合同的担保及有关诉讼程序问题,从实务角度进行了分析,并提出了相应观点。 相似文献
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Brian Quinn 《金融市场、机构和票据》2008,17(1):77-84
The author looks at how regulatory decisions are taken, and implemented, at national as well as international level and discusses issues such as independence of regulatory and supervisory authorities, regulatory capture and the rivalry in decision taking between Basel, Brussels and Washington. 相似文献