基于食品安全视角的强制责任保险构建
时间:2017-06-23 14:09 来源:毕业论文 作者:毕业论文 点击:次
| 摘 要近年来食品问题广受关注，相关的安全事故却层出不穷，消费者的权益被屡屡侵害，事故发生后的医疗与正常生活不能得到保证，而食品企业也会因此使生产经营活动陷入困境，停产甚至破产倒闭，上下游企业都会受到牵连，企业职员及其家庭的生活存在不稳定因素,影响社会安定。上述现象都说明，在食品安全责任风险方面，市场还存在着很大的需求，而我国保险业也迫切需要开拓新的市场领域来改善业务结构，提升经营绩效，推进整个行业的发展水平。责任保险具有分散被保险人的风险、降低社会成本、负担政府责任、促进社会和谐等积极作用。现如今，我国食品安全问题刻不容缓，研究与其相关的保险便显得意义深远。而普通的食品安全保险不能满足极度匮乏的市场，食品安全强制责任保险制度在此时应运而生。许多强制责任保险的先例如交强险等，都表明强制制度更有利于受害人获得快速有效的救助，保护他们的合法权益。强制责任保险是政府履行社会管理职能的重要手段，我国法律也确立了责任保险法律制度。本论文对我国食品安全责任保险的推行环境，政府实施食品强制保险的客观条件，以及具体怎样实施进行浅析，并提出了建议。10686 关键词：强制保险； 食品安全； 第三者责任 Abstract Recently, there were so many accidents occurring in our country, most of which were related with the food safety problem. The right of the customers can’t get timely protection, and the following treatment and life can’t be guaranteed. The effect can also spread to the operation of the factory and the daily life of the employees. The high frequency of food safety problem and the great loss indicates the potential demand for the management of food safety liability insurance. The insurance industry in our country also needs urgently cultivating the new market to improve the business structure, upgrading. the operating effect, to enhance the development level of the whole industry. Liability insurance can disperse the insured risk and reduce social costs and the burden of government responsibility, which plays a positive role in promoting social harmony. Under present circumstances of serious food safety problems, the studies on food safety liability insurance are important. And ordinary food safety insurance cannot meet the extremely high demand of the market, so compulsory liability insurance system of food safety emerged as the times required. The previous cases of a number of types of compulsory liability insurance such as compulsory automobile liability insurance indicates that such system is not only effectively scatter indemnity risks of anyone who cause food accident, but also make assurance of covering the victim’s losses and guarantee his legal rights and interests. liability insurance was an important means for the government to fulfill their social functions. The law also establishes the legal system of liability insurance in China. This paper, we discussed the implementation environment of the food safety liability insurance, the conditions that the government carried out the compulsory insurance on, how to implement food safety to explore mandatory liability insurance, and proposed the recommendations. Key Words：Compulsory insurance； Food safety； The third party liability 目 录 摘 要I AbstractII 一、绪论1 （一）研究背景1 二、保险在食品安全责任中的作用2 （一）保险对受害第三者的经济给付2 （二）保险是社会的“稳定器” 3 三、食品安全强制责任保险构建的必要性和可行性3 （一）食品安全责任保险的现状及其运行中的阻碍3 （二）强制责任保险与普通责任保险的不同 4 （三）食品安全强制责任保险构建的必要性 4 (责任编辑：qin) |