推行强制性食品安全责任保险问题研究

发布时间：2018-02-11 21:30

本文关键词： 食品安全食品安全责任保险食品安全强制责任保险　出处：《河北大学》2017年硕士论文　论文类型：学位论文

【摘要】：由于我国食品监管制度不健全,立法不完善,导致食品安全事故屡屡发生,不仅使消费者的身体和财产遭受损失,企业也会面临经营危机。食品安全责任保险具有风险分散和社会管理的功能,保障消费者的合法权益,填补企业所受的损害,转移风险,同时,保险公司充分发挥对投保企业的监督管理,预防风险,减少食品安全事故的发生,从而减少社会纠纷,对保障民生,维护社会稳定具有重要意义。目前,我国保险公司虽然推行了食品安全责任保险,但是投保情况却不容乐观,主要原因有以下方面:第一,大部分企业为了减少成本,投保得积极性不高;第二,中小食品企业众多,流动性大,食品安全责任保险有效需求不足;第三,社会和企业的保险意识较弱,没有充分认识到该险种的积极作用;第四,保险公司的产品不能满足客户的需求;第五,相关的法律法规不健全,政府的扶持力度不够。本文重点运用成本和收益的方法分别对食品企业以及保险公司进行分析,得出了食品安全责任保险投保不足以及保险公司承保能力不足的原因。运用博弈论的方法分析了保险公司、食品企业以及政府三者之间最优的发展模式,得出推行强制性食品安全责任保险实施的必要性。同时,借鉴了交强险的成功经验,以及美国、欧盟和台湾地区的食品安全制度模式,为我国推行强制性食品安全责任保险提出建议。
[Abstract]:Because the food supervision system is not perfect and the legislation is not perfect in our country, food safety accidents occur frequently, which not only causes the loss of consumers' body and property. Enterprises will also face business crisis. Food safety liability insurance has the function of risk dispersion and social management, protect the legitimate rights and interests of consumers, fill the damage suffered by enterprises, transfer risks, at the same time, Insurance companies should give full play to the supervision and management of insured enterprises, prevent risks and reduce the occurrence of food safety accidents, thus reducing social disputes, which is of great significance for safeguarding people's livelihood and maintaining social stability. Although China's insurance companies have implemented food safety liability insurance, the insurance situation is not optimistic. The main reasons are as follows: first, most enterprises are not highly motivated to insure in order to reduce costs; second, Small and medium-sized food enterprises have a large number of mobile, food safety liability insurance effective demand is insufficient; third, the social and corporate insurance awareness is weak, not fully aware of the positive role of the insurance; 4th, The products of insurance companies can not meet the needs of customers; 5th, the relevant laws and regulations are not perfect, and the government's support is not enough. This paper focuses on the analysis of food enterprises and insurance companies by means of cost and income. The reasons for the shortage of food safety liability insurance and underwriting capacity of insurance companies are obtained. The optimal development model among insurance companies, food enterprises and the government is analyzed by using game theory. The necessity of implementing compulsory food safety liability insurance is obtained. At the same time, the successful experience of traffic insurance and the food safety system models of the United States, the European Union and Taiwan are also used for reference. Put forward the suggestion for our country to carry out the compulsory food safety liability insurance.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.69

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