This dissertation tries to make a deep and systemic study on marine insurer " s duty of utmost good faith with the purpose of urging the academic to think much of this problem and providing theoretic reference for practice and law 本文旨在对海上保险人的最大诚信义务问题进行较为深入、系统的研究，以引起学术界对这一课题的重视，为实务界和司法界提供理论参考。
The conclusion of the thesis is that since the insurance law is established on the principle of utmost good faith , this principle should be stipulated as the general principle of the insurance law which at the same time also includes some specific regulations 因此我国保险法的最大诚信原则的科学立法应当体系化，用大陆诚信原则的抽象性弥补最大诚信原则在具体制度规定中的不足。兼顾最大诚信原则具体制度的操作性和抽象原则的概括性。
Then the thesis discusses the functions of the principle of utmost good faith and the relations between this principle and the other principles of the insurance law and draws the conclusion that the principle of utmost good faith is the basis of other principles 而后文章又论述了最大诚信原则的功能并阐述了最大诚信原则与保险法其他原则的关系，得出了其他原则实际是由最大诚信原则孕育产生的结论，明确了最大诚信原则在保险法中的重要地位。
In the traditional theory , the principle of utmost good faith is just regarded as the reflection of the principle of good faith in the insurance law . but the author thinks the relations between the two principles can not be treated in such a simple way 传统学说认为最大诚信原则是诚信原则在保险法中的最大化体现，本文论述了两个原则起源、表现形式和思维方式上的差异，以及两个原则本质和价值内涵的相通之处，揭示了两者之间其实有着更为深刻的区别和联系。
The author , basing on the basic theories of principle of utmost good faith , researches some important theoretic questions of constructions , application and legal consequences in breach of the insurer " s duty of utmost good faith ; inquires into several representative types of the insurer " s duty of utmost good faith , including duty of the insurer " s disclose , duty of the insurer " s explanation , especially exclusive clause , duty of information , the insurer " s duty when the assured delays to pay premium and the insurer " s duty in compensation ; oppugns the relative provisions in insurance legislation 为此，作者以最大诚信原则基本理论为基础，对保险人的最大诚信义务内容、适用、违反的法律后果等一系列重要理论问题进行了研究；对几种典型的保险人最大诚信义务，包括保险人告知义务、保险人对格式合同尤其免责条款的说明义务、通知义务、投保人迟延缴纳保险费时保险人的最大诚信义务及保险人在理赔过程中的最大诚信义务进行了探讨；并对我国保险立法中上述相关规定提出了质疑。
The principle of good faith originates from contract of utmost good faith and actio bona fidei under roman law . in an actio bona fidei , the judge may interfere the content of the contract according to the principle of justice and fairness and the sprit of good faith of the parties in the legal relationship 诚实信用原则简称诚信原则，起源于罗马法的诚信契约和诚信诉讼，诚信诉讼中承审员可以根据当事人在法律关系中诚信的精神，按公平正义的原则对契约内容进行干预。
Dissertates the provisions in the british marine insurance act ( 1906mia ) , studies the prejudications during the progress history of the british marine insurance , and analyses the current statue in the legislation and the judicatory practice , educing that establishing the principle of utmost good faith in cmc is necessary 并通过对英国1906年海上保险法(简称1906mia )对最大诚信原则的相关规定的论述，以及对英国在其海上保险法发展的历史过程中相关判例的研究。并结合我国的立法与司法实践中的现状进行分析，得出，最大诚信原则在我国海商法中完全有确立的必要性结论。
Through the analysis above , i think the insurance law is established on the principle of utmost good faith . while our country has adopted the system of civil law in some way , i think when we introduce the utmost good faith , it should be made integrated with other concepts of the continental legal system 文章通过以上分析，认为整个保险法就建立在最大诚信原则的价值观念之上的，在我国已经初步建立起大陆法系传统的基础上引入最大诚信原则时，应当与大陆法传统的原则观念相结合。
Currently , in china and even in the world , the credit crisis has been an important issue concerning whether the market economy can run in a healthy way . it is imperative to establish a insurance market which needs amplify necessary rules and regulations . being an important principle of the insurance law , the principle of utmost good faith has not been established in the insurance law , and it will definitely influence the legal practice of insurance cases 当前在我国乃至全世界诚信危机已经成了关系市场经济能否健康发展的重要问题，我国迫切需要建立保险市场，而完善的保险市场又需要健全合理的保险法律制度，最大诚信原则作为保险法的重要原则在我国涉及保险的各项法律中都没有确立，这样显然会影响保险立法的科学性和法律适用的正确性。
Secondly , the thesis puts it emphasis on that the principle of utmost good faith shall bind all the parties of the insurance contract . according to the traditional theory only the insured is bound by the principle of utmost good faith , but in this thesis the author argues that the principle of utmost good faith has binding force to each party of the insurance contract 其次文章从两条脉络阐述了保险最大诚信原则在保险法中的表现。一是论述了最大诚信原则对保险合同的各当事人的约束。传统学说提及最大诚信原则时一般认为其只约束投保人，而本文分析了其对投保人、保险人以及保险代理人都有约束力。
