我国责任保险发展中的问题及对策

责任保险具有较强的经济补偿与社会管理功能,不仅能使公民在人身受到伤害或经济利益受到侵害时获得经济补偿,也是政府运用市场手段管理社会风险的重要途径。目前,我国责任保险发展滞后,其主要原因有法律环境不完善、社会公众认识度低、经营技术落后等。结合我国实际情况,加快责任保险发展应不断推进市场经济法律制度的完善、加强保险宣传、提高保险专业技术水平、服务水平等。

Liability insurance indicates the insurance which is the legal compensation liability of insurant to the third party.Its emergence and development are called the third stage of the insurance industry development,while exhibits the direct involvement of the insurance industry into the development of society.Liability insurance shows powerful abilities in economic compensation and social management.Those abilities not only help citizens to get economic compensation while being hurt in body or economic benefits,but also are important ways for government to regulate the social risks.Nowadays,the liability insurance in our country falls behind because of the imperfection of law condition,low acquaintance of pubic,unadvanced operational techniques,and so on.Correspondingly,in the realistic circumstances of our country,what we should to accelerate the development of liability insurance are to propel the perfection of economic system and legal system in market,to reinforce the publicity of insurance,to increase the level of insurance in techniques and services,and so on.