完善我国中小学校方责任保险的思考

发布时间：2018-04-14 18:01

本文选题：校方责任保险 + 校园安全　；参考：《广西大学》2013年硕士论文

【摘要】：校园伤害事件一直是令家长和学校谈之色变的社会安全问题。其中,中小学、幼儿园校车安全问题是近期社会关注的焦点,从全国来看,每年发生的与校车有关的交通安全事故数量却在呈增长趋势。此外,中小学校校园中的校园伤害事件、食物中毒事件、溺水事件和房屋倒塌事故等也占了相当大的比例。这些事故不仅给受害家庭带来伤痛,也给学校带了巨大的压力,很多巨额索赔官司也由此开始。若学校购买了校方责任保险,学校的赔付压力会大大的减轻。另一方面,随着我国公民综合素质的全面提高,民众的维权意识也相应得到了提升,学生在校园发生事故后,家长有权向校方进行索赔；学校同样也意识到应积极承担由于自身管理不善或者疏忽造成的赔偿责任。我国推广中小学校方责任保险已有多年,但在实际操作过程中也发现许多问题,如法制不健全、保费来源不足、条款存在缺陷、险种数量不能满足市场需求、承保责任范围不宽、赔偿额过低等。这些问题是在我国实施中小学校方责任保险多年的实际经验基础上总结出来的。由于我国中小学校方责任保险存在以上缺陷,中小学校并没有从购买的校方责任保险中多受益,校方责任保险没有充分体现出它应有的保险职能。所以,当前对完善我国校方责任保险提出了更高的要求。因此,为了充分保障受害学生的权利,减轻校方的赔付压力,使得我国的教育事业健康发展,必须不断完善我国的校方责任保险。本文在深入研究前人的相关理论和当前广西区校方责任保险的现状的基础上,借鉴发达国家的成熟经验,提出改进的对策,使之不断适应我国学校的实际需要,希望能够在该领域为后人提供参考,为扩大校方责任保险的普及范围,进而为我国教育事业的健康发展做出贡献。
[Abstract]:Campus injuries have long been a social security issue for parents and schools to talk about.Among them, the safety problem of school bus in primary and middle schools and kindergartens is the focus of social attention recently. In the whole country, the number of traffic safety accidents related to school buses is increasing every year.In addition, the incidence of campus injury, food poisoning, drowning and house collapse in primary and secondary schools also accounted for a large proportion.These accidents not only hurt families, but also put a lot of pressure on schools.If the school bought the school liability insurance, the school will greatly reduce the pressure to pay compensation.On the other hand, with the overall improvement of the comprehensive quality of Chinese citizens, the awareness of safeguarding the rights of the public has been improved accordingly, students in the campus accident, parents have the right to claim compensation from the school;Schools are also aware that they should be actively responsible for their mismanagement or negligence.Our country has been popularizing the party liability insurance in primary and middle schools for many years, but many problems have been found in the practical operation process, such as imperfect legal system, insufficient premium source, defects in terms, and the quantity of insurance can not meet the market demand.The scope of underwriting is not wide, the amount of compensation is too low, etc.These problems are summed up on the basis of many years' practical experience of implementing square liability insurance in primary and secondary schools in China.Because of the above defects in the liability insurance of primary and secondary schools in our country, the primary and secondary schools do not benefit from the liability insurance purchased by the schools, and the liability insurance of the primary and middle schools does not fully reflect its proper insurance function.Therefore, at present, the improvement of our school liability insurance put forward higher requirements.Therefore, in order to fully protect the rights of the injured students, reduce the pressure of compensation and make the education of our country develop healthily, we must constantly improve the liability insurance of the school in our country.On the basis of deeply studying the related theories of predecessors and the current situation of Guangxi school liability insurance, this paper draws lessons from the mature experience of developed countries, and puts forward some countermeasures to improve it so as to make it adapt to the actual needs of our country's schools.Hope to provide reference for future generations in this field, to expand the scope of school liability insurance, and then to contribute to the healthy development of education in China.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62

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