我国物流保险现状及其法律原因分析

Legal Analysis on Actuality of Logistics Insurance

本文认为,当前我国物流保险制度正处于从传统物流保险向现代物流保险过渡的阶段,物流业的发展对物流保险提出了新的要求,传统物流保险难以满足现代物流发展的要求,而新开发的物流责任险则因物流经营者与第三人之间物流责任分配不明确而缺乏实际应用性。文章提出,导致我国物流保险市场供需矛盾的原因主要有两个:一是我国物流法律制度不完善,二是保险业与物流业之间存在天然矛盾。这既使第三方物流经营者不愿意投保物流责任险,也使保险人在制定物流责任保险条款时表现保守。而物流责任保险制度为解决这一矛盾提供了一条较好的途径,必将成为降低物流经营者风险,保证客户利益的最终解决方法。

Along with the development of logistics, the traditional property insurance could not meet the requests from the logistics operators any more. However, the new logistics liability insurance could not be used effectively because of the illegible logistics liability between logistics operator and the third party. The author considers that the lack of legal system of logistics is one of the reasons which have led up to the actuality of logistics insurance. The author also analyzes conflict between supply and demand in China＇s logistics insurance that can solved by logistics liability insurance.