食品安全责任保险模式研究

Should Food Security Insurance be Mandatory

食品安全问题深受国人关注,源于其损失事件的特点。食品安全责任险作为产品责任险的一种,是转移食品安全风险的途径之一。我国政府希望通过设立食品安全强制责任险来保障受害人的合法权益,减少食品生产销售企业损失,引导食品行业健康发展,协助政府处理危机。从国外经验来看,仅有高度风险和特定职业两个领域适用强制责任险,食品安全不属于这两种领域。现阶段推广食品安全强制责任险应该首先在有注册登记准入制度的食品生产销售企业展开,并通过相应的制度安排提高投保率,控制经营风险。

Food security is a very high-profile issue in China due to the characteristics of such incidents. Food se- curity liability insurance, as one type of product liability insurance, is one of the methods to transfer food security risks. Our government hopes to protect the lawful rights of victims through mandatory food security liability insur- ance, reduce the losses of food producers and sellers, guide the food-producing industry to develop soundly, and as- sist government with risk handling. Foreign experiences show that only high risk and special profession are suitable for mandatory liability insurance, and food security doesn＇ t belong to these two categories. To promote mandatory food security liability insurance at the current stage, we should proceed from food producers and sellers with registra- tion and market access systems, and take appropriate measures to lift the application ratio and control operational risks.