责任保险制度对我国食品产业发展的影响与促进

Impacts of the liability insurance system on the development of Chinese food industry

责任保险作为一种有效的风险分配机制,不仅能在发生致害事件时及时补偿消费者,其"准公共产品"的特性决定了它还能为社会带来诸多"正外部性"效应。近年来我国食品产业快速发展,已经成为国民经济中的支柱型产业。而责任保险制度能够促进食品企业科技创新及风险控制体系的自我完善等,为食品产业寻找新的经济增长点服务,并最终维护食品产业的持续、稳定、健康发展、社会经济的稳定及社会总福利的增长。

Liability insurance is a kind of effective risk allocation mechanism. When injury happens,it can compensate consumers without delay while the characteristics of its quasi - public goods can bring about positive externalities to a given society. In recent years, Chinese food industry has experienced a rapid development and become a pillar industry of our national economy. The liability insurance system can promote scientific and technological innovation of food industry, and improve the risk control system. At the same time, it can help our food industry find new focuses for economic growth, maintain a sustainable and healthy development of our food industry as well as socio - economic stability, and finally promote the growth of the overall social welfare.