由于保险合同双方当事人经济地位的不对等及保险立法的不足 ,造成我国现有保险合同在订立过程中出现了一些有违诚实信用、等价有偿的民事行为基本原则的作法 ,与国际通行惯例相悖。本文在分析我国保险合同现存问题的基础上 ,提出应从立法、行政、司法、行业自律和社团管理等多方面规制保险合同 ,以使该合同行为逐步规范和完善 Due to the unequal economic position of the parties to the insurance contract and the insufficiency of the insurance legislation, there are some basic principles of civil behavior that violate the honesty, credit and equivalent compensation in the process of establishing the existing insurance contract in our country, which is contrary to common international practice . Based on the analysis of the existing problems of insurance contracts in our country, this paper proposes that the insurance contracts should be regulated in many aspects such as legislation, administration, judicature, industry self-regulation and community management, so that the behavior of the contract can be gradually regulated and perfected