完善我国产品责任保险制度的思考与对策

Thinking and Countermeasure of Perfecting the System of Product Liability Insurance in China

近几年来,我国的产品质量特别是食品安全问题越来越突出,使人们对产品责任保险的需求越来越重视。但我国的产品责任保险发展过程中还是存在着很多问题,理论上的研究也很不全面,难以满足我国产品责任发展的需要。针对以上的问题,试图从产品责任保险的理论基础研究入手,分析产品责任保险近来的研究现状,指出产品责任保险法律制度、市场分析、保险实务方面存在的问题以及问题一直存在的原因,系统性地给出论证。在此基础上给出全方面、更具说服力的措施。以期对中国产品责任保险的发展、减轻企业的负担和对消费者权益的保护有所裨益。

In recent years,China＇s product safety especially food safety problems have become more and more prominent,which makes people＇s attach increasing importance to the demand for product liability insurance. However,there still exist many problems in the process of development of product liability insurance in China. The theoretical research is not comprehensive,and it is hard to meet the needs of the development of product liability in our country. In view of the above problems,this paper tries to analyze the recent research status of product liability insurance,and point out the problems existing in product liability insurance law system,market analysis,insurance practices,and the reasons for the existence of the problem,and then give a systematic demonstration. On the basis of the above,it gives the perfect measure of the whole field and the more convincing. It is helpful for the development of China＇s product liability insurance,the burden of the enterprise and the protection of consumers＇ rights and interests.