食品安全责任保险中的行政指导研究

Administrative Guidance in Food Safety Liability Insurance

食品安全责任保险具有经济补偿、资金融通和社会管理等责任保险的共有功能,并且其最终的受益群体是食品消费者。在现行法律制度下,企业的自发性食品安全责任保险需求不足,责任保险的投保率低,对此,政府通过行政指导的方式加以引导,既充分发挥保险的社会管理功能,又能有效调动食品安全责任保险的供给及有效需求。本文试结合我国各地方正在进行的食品安全责任保险行政指导工作试点工作,探讨该保险领域中行政指导的特点、方式及具体实施步骤。

Food safety liability insurance not only has the functions of economic compensation, financial intermediationand social management, but also ultimately benefits food consumers. Under the current legal system, lack of spontaneousenterprise demand for food safety liability insurance leads to low insurance rate. In this respect, using non-mandatoryapproaches, the government can fully exert its function in social insurance management and effectively mobilize foodsafety liability insurance supply and effective demand for food safety liability insurance. This article tries to discuss thecharacteristics and specific implementation steps of administrative guidance in the field of insurance based on the localongoing food safety liability insurance pilot programs in China.