“新”经济下司法援助保险的正当性研究

A Study on the Rationality of Judicial Assistance Insurance under the "New" Economy

2014年,为促进保险行业的发展改革,国务院发布了保险行业的"新国十条",明确了到2020年基本建成与经济社会发展相适应的现代化保险服务业的改革目标。而司法援助保险就是在此基础上出现的新型保险类型。它是建立在部分涉及民生,且"执行不能"的案件基础上衍生的保险理赔机制。随着司法援助保险在宁波的落地,关于其存在的合理、合法性就成了一项我们应当探究的问题。本文通过两部分来论证司法援助保险的合理性。首先,司法援助保险是具有商业保险性质的公共产品。其次,通过法理基础和现实司法层面的考究,论证了在"新"经济发展水平下,政府做出符合当地经济发展、财政实情的选择来购买司法援助保险作为公共产品是具有合法性、合法性的。

In 2014,in order to promote the development and reform of the insurance industry,the state council issued the"ten new guidelines"for the insurance industry,which set the reform goal of basically building a modern insurance service industry in line with economic and social development by 2020.Judicial assistance insurance is a new type of insurance on this basis.It is an insurance compensation mechanism derived on the basis of some cases involving people’s livelihood and"failure of execution".With the landing of judicial assistance insurance in ningbo,the reasonableness and legality of its existence have become an issue that we should explore.This paper demonstrates the rationality of judicial assistance insurance through two parts.First,judicial assistance insurance is a public product with commercial insurance nature.Secondly,through the study of legal basis and practical judicial level,this paper demonstrates that under the"new"economic development level,it is legitimate for the government to choose judicial assistance insurance as a public product in line with the local economic development and financial situation.