产品质量保证保险的社会福利效应与成本分析——基于公共食品药品等特殊消费领域的分析

An Analysis of Social Welfare Effect and Cost of Product Quality Bond Insurance:Based on the Special Consumption Areas of Public Food and Medicine

产品质量保证保险制度可以通过有效遏制产品质量隐患和积极的保险赔付来降低因产品质量缺陷导致的各类社会损失,增进社会福利,但产品质量保证保险制度本身的成本又制约了其福利效应的充分发挥。提升我国产品质量保证保险制度效率的关键在于控制该项制度本身的成本。为此,需要构建和完善保险信用制度,推动产品质量保证保险走向规模化经营,提高保险企业的内部管理效率,完善相关立法,加大宣传力度,并积极构建多部门协同机制。

The product quality bond insurance system can, by effectively containing the hidden quality issues and active settlement of insurance claims, reduce various social losses caused by product quality defects, so as to enhance the social welfare; however the cost of the system itself will restrict the full play of the effects of the welfare. Thus, to control the cost becomes the key to enhance the efficiency of China＇ s product quality bond insurance system. Therefore we should construct and per- fect the insurance credit system, give impetus to realize the scale operation of the product quality bond insurance, improve the internal management efficiency of the insurance enterprises, improve the relevant legislation, make greater efforts to publicize the contents, and establish a multi-department cooperative mechanism.