甘肃省校方责任保险问题研究

发布时间：2018-04-24 14:36

本文选题：甘肃省 + 校方责任保险　；参考：《兰州商学院》2014年硕士论文

【摘要】：近年来，学校意外伤害事故时有发生，不仅影响学校正常的教育教学秩序，也使学校面临各类法律纠纷，甚至影响社会局部稳定。为进一步加强学校风险管理工作，维护学校正常教育教学秩序，促进平安和谐校园建设，2008年教育部、财政部、中国保险监督管理委员会联合下发《关于推行校方责任保险完善校园意外伤害事故风险管理机制的通知》，通知在原有的管理手段和方法基础上提出建立和完善校方责任保险制度，把学校的赔付责任转嫁给保险公司，实现学校、受害家庭、保险公司三方的共赢。同时，随着校方责任保险的逐步实施和完善，作为学校进行风险管理和控制的基本手段，校方责任保险制度在有效防范和妥善化解各类安全事故风险、强化教育教学安全管理工作、建立和完善教育风险转移机制、不断提高构建平安和谐校园的能力等方面发挥了重要作用。甘肃省2008年在政府主导下建立了中小学校方责任保险制度，实施六年来，其运作机制如何？实施效果怎样？是否真正做到了学校、受害家庭与保险公司三方共赢？为此，在对甘肃省教育行业管理部门、保监局及相关保险机构、学校实地调研的基础上，本文全面梳理了甘肃省校方责任保险实施的具体情况。总体看，在政府主导及大力推动下，坚持市场运行模式，校方责任保险迅速在全省中小学范围内得以实施。近年来校方责任保险业务发展相对稳定，在保障学生合法权益、维护学校安全稳定及正常的教育教学秩序、构建和谐校园及和谐社会方面发挥了不可替代的作用，其校园风险保障及社会管理功能日益显现。责任保险在我国尚处于起步阶段，校方责任保险更是刚刚起步，实施过程中必然存在着覆盖面较窄、社会认知度较低、保费筹措渠道单一等困难和问题，这在经济发展相对落后、教育经费紧张的甘肃省表现的更是突出。结合甘肃省实际情况，，并借鉴国内外有关校方责任保险的发展经验，本文认为应进一步界定校方责任保险的性质及社会价值，在政府主导、市场运作的原则下，需继续加大政府推动力度，扩大其覆盖面。同时，进一步调动保险公司参与校方责任保险的积极性，特别是进行产品创新及提高保险服务水平。另外，只有这样，才能创造良好的发展环境，切实加快甘肃省校方责任保险的发展。
[Abstract]:In recent years, school accidents occur from time to time, which not only affect the normal order of education and teaching in schools, but also make schools face various legal disputes, and even affect the local stability of society. In order to further strengthen school risk management, maintain normal school education and teaching order, and promote the construction of a peaceful and harmonious campus, the Ministry of Education, Ministry of Finance, Notice issued jointly by the China Insurance Regulatory Commission on the implementation of school liability insurance to improve the risk management mechanism of campus accidents and injuries, the notice proposing the establishment and improvement of the school on the basis of the original management means and methods Party liability insurance system, Transfer the liability of the school to the insurance company and realize the win-win situation of the school, the victim family and the insurance company. At the same time, with the gradual implementation and improvement of school liability insurance, as a basic means of risk management and control, the school liability insurance system is effectively preventing and properly resolving all kinds of risk of safety accidents. It has played an important role in strengthening the safety management of education and teaching, establishing and perfecting the transfer mechanism of educational risks, and improving the ability of constructing a safe and harmonious campus. Gansu Province in 2008 under the leadership of the establishment of primary and secondary school liability insurance system, the implementation of six years, its operating mechanism? How did it work? Is it true that schools, families and insurance companies all win together? Therefore, on the basis of the field investigation of Gansu Province education industry management department, insurance bureau and related insurance institutions, this paper comprehensively combs the concrete situation of Gansu Province school responsibility insurance implementation. Overall, under the government leading and vigorously promoting, adhere to the market operation mode, school liability insurance is quickly implemented in the province's primary and secondary schools. In recent years, the development of school liability insurance has been relatively stable, which has played an irreplaceable role in safeguarding the legitimate rights and interests of students, maintaining the safety, stability and normal educational and teaching order of the school, and building a harmonious campus and a harmonious society. Its campus risk protection and social management functions are increasingly apparent. The liability insurance is still in the initial stage in our country, and the school liability insurance is just beginning. In the process of implementation, there must be some difficulties and problems, such as narrow coverage, low social cognition, single channel for raising insurance premium, etc. This is relatively backward in economic development, education funds are tight in Gansu Province performance is more prominent. Combined with the actual situation of Gansu Province, and drawing lessons from the development experience of school liability insurance at home and abroad, this paper holds that the nature and social value of school liability insurance should be further defined, under the principle of government leading and market operation. Need to continue to increase government efforts to expand its coverage. At the same time, we should further mobilize the enthusiasm of insurance companies to participate in school liability insurance, especially for product innovation and improvement of insurance service level. In addition, only in this way can we create a good development environment and speed up the development of Gansu Province's school liability insurance.
【学位授予单位】：兰州商学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.69

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