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明确说明义务规则发挥的效用毁誉参半,柔性立法给予司法实践充分的裁量余地。形式论、实质论和区分论在特定历史时期均能实现一定的公共政策。信息不对称发生时空转换,法官裁处车险纠纷时,以实体规制为核心,明确说明义务规则或者沦为锦上添花的装饰品,或者化身为阻扰法官下判的路障。结合中国车险市场发展实际,解释论层面上,明确说明义务规则应回归形式论,并辅之以实体规制;展望未来,明确说明义务规则应由强制型转变为倡导型。
Clearly states the usefulness of the obligation rules to be mixed, and flexible legislation gives sufficient discretion to judicial practice. Formalism, substantive theory and distinction theory can all achieve certain public policies in a specific historical period. Asymmetric information occurs in time and space conversion, the judge ruled the auto insurance disputes, the substantive regulation as the core, clearly states that the rules of obligation or reduced to the icing on the cake, or incarnate as obstructing the judge under the barricades. Based on the actual development of China auto insurance market, at the level of interpretative theory, it is clearly stated that obligatory rules should be returned to formalism supplemented by substantive regulations. Looking ahead, it is clearly stated that obligatory rules should be changed from mandatory ones to advocacy ones.