现代物流保险的新发展

Latest Development of Modern Logistics Insurance

由于物流本身的连续性、复杂性和其与世界经济联系的紧密性等决定了物流所面临的风险的多样性。现代物流中的可保风险主要有:运输和搬运活动的风险;储备和库存活动的风险;生产活动的风险配送活动的风险;以及其他服务活动的风险。对物流作业中不同的标的和风险选择相应的保险险种、或依据保险要素设计相应的保险险种确定保险人、订立保险合同、转移和减少物流风险所造成的损失,就是采取保险对策对现代物流中的风险进行风险管理。而保险对策的实施可以通过三种途径,即建立物流保险平台,订立“一揽子”保险合同以及实行物流保险会员制。

Modern Logistics involves a great variety of risks that are determined by its innate attributes of continuity, complexity and the world economic-relatedness. The insurable risks of modern logistics include the following： risks in activities of transportation, storage, production, distribution and service. Employing insurance strateges for risk management in modern logistics concerns opting for appropriate insurance types for different targets and risks in logistics operation, and designing insurance types, choosing insurer, constructing contract, transferring and reducing risk loss with regard to various elements of insurance. On the other hand, insurance strategies are realized through three means： establishing logistics insurance platform, constructing ＂package＂ insurance contract and implementing logistics insurance membership system.