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问题	民事责任竞合 ?
释义	法律分析：民事责任竞合是指同一不法民事行为既违反合同规范又违反侵权规范，同时具备违约责任的构成要件和侵权责任的构成要件，导致侵权责任与违约责任同时产生而又相互冲突的一种法律现象，简称“责任竞合”。法律依据：《中华人民共和国民法典》第五百零六条合同中的下列免责条款无效：（一）造成对方人身损害的；（二）因故意或者重大过失造成对方财产损失的。
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