产品责任保险的治理绩效与改进路径分析

发布时间：2018-05-09 07:30

本文选题：产品责任 + 市场失灵　；参考：《首都经济贸易大学》2014年硕士论文

【摘要】：随着我国经济的高速增长，人民收入水平日益提高，现在能够享受到国内外各种高科技产品。然而，由于信息不对称、市场缺陷等原因，，消费者权益受到侵害的产品质量事件时有发生。如何保护消费者权益、促进生产者提高产品质量以及风险管理水平是我国经济和法制建设的长期目标。推广产品责任保险是实现该目标的一个重要措施。虽然我国涉及产品责任的相关法律体系正日益完善，但是，我国产品责任保险的市场占有率和整体发展水平均低于世界平均水平，如何实现产品责任保险全面快速的发展是保险业面临的一个难题。本文在参考大量文献的基础上对我国产品责任保险发展过程中存在的问题及未来发展趋势进行了系统研究。全文分为五部分，第一部分介绍为产品责任保险提供法律基础的法律制度和归责原则，第二章对产品责任保险的供需进行经济学分析，并利用简单博弈模型论述市场、政府规制、产品责任保险在产品安全治理中的作用。第三章对中国14个省的产品责任保险保费收入与消费者投诉量的关联性进行实证分析，证明产品责任保险对产品质量问题的改善作用。第四章对我国产品责任保险的现状进行分析，找出制约产品责任保险发展的症结。第五章结合日本和美国两个国家的产品责任保险发展经验，提出促进我国产品责任保险发展的可行性意见。
[Abstract]:With the rapid economic growth, people's income level is increasing, and now can enjoy a variety of high-tech products at home and abroad. However, due to asymmetric information, market defects and other reasons, consumer rights and interests are infringed product quality events occur from time to time. How to protect consumers' rights and interests, promote producers to improve product quality and risk management is the long-term goal of China's economic and legal construction. Promotion of product liability insurance is an important measure to achieve this goal. Although the relevant legal system concerning product liability in our country is becoming more and more perfect, the market share and overall development level of our country's product liability insurance are lower than the world average. How to realize the comprehensive and rapid development of product liability insurance is a difficult problem facing the insurance industry. Based on a large number of references, this paper makes a systematic study on the problems existing in the development of product liability insurance in China and its future development trend. The full text is divided into five parts. The first part introduces the legal system and the principle of imputation for the product liability insurance. The second chapter analyzes the supply and demand of product liability insurance by economics, and discusses the market by using the simple game model. Government regulation, product liability insurance in product safety governance role. The third chapter empirically analyzes the relationship between the premium income of product liability insurance and the amount of consumer complaints in 14 provinces of China, and proves the effect of product liability insurance on the improvement of product quality. Chapter four analyzes the current situation of product liability insurance in China and finds out the crux of restricting the development of product liability insurance. In the fifth chapter, the author puts forward some feasible suggestions on how to promote the development of product liability insurance in China based on the experience of Japan and the United States in the development of product liability insurance.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.69

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