货运保险发展对铁路保价运输的启示

Revelation of Freight Transport Insurance Development on Railway Value-insured Transportation

铁路保价运输与货物运输保险分属货物运输风险管理体系中的2种不同制度,存在一定竞争性与互补性,借鉴货物运输保险发展经验对于塑造铁路保价运输良好市场形象、提升铁路保价运输服务质量、增强铁路保价运输市场竞争力具有重要的现实意义。结合货运保险业务发展现状,以内河内陆货物运输保险为例,从险种设计与承保责任范围、费率体系与计算方法、赔付标准与理赔服务等方面分析其发展概况,提出扩展铁路保价运输业务范围、完善铁路保价基础费率体系、提升铁路保价理赔服务质量的铁路保价运输发展对策。

Railway value-insured transportation and freight transport insurance are two different systems in freight transport risk management systems, and they are competitive and complementary with each other, so the development experience of freight transport insurance has an important realistic meaning in shaping good market characters of railway value-insured transportation, increasing service quality of the transportation and strengthening market competitiveness of the transportation. Combining with the development status of freight transport insurance business, taking inland river freight transportation as an example, this paper analyzes the development status from the aspects of insurance type design and responsibility scope of insurance acceptance, rate system and calculation method, compensation standard and compensation service, and puts forward countermeasures for developing railway value-insured transportation, such as expanding business scope of railway value-insured transportation, improving the basic rate system of railway insurance and increasing compensation service quality of railway value insurance.