论商业保险在社会风险防范体系中的地位与作用——以安全生产责任保险为例的探讨

The status and function of commercial insurance in social risk prevention system ——discussion on the safe production liability insurance as an example

随着转换政府职能改革的不断深化,市场主导的商业保险应当在社会风险防范体系中起到更重要的作用。安全生产责任保险是在我国企业安全生产风险抵押金制度背景下企业经济需求与市场智慧的一个典型体现,体现了从静态监管思路向市场化选择转化的大趋势,其与工伤保险互相配合,可以起到市场选择与行政强制相结合、互相补充的作用。在现代社会商业责任保险发挥着越来越重大的作用,具有弥补行政刚性规定的不足、督促企业提升风险管理水平与配合行政监管手段实现"社会共治"目标的优势。政府应更多摒弃强制性监管思维,以鼓励性措施引导和激励商业保险在现代社会风险防范体系中更好地发挥作用。

With the deepening of the reform of government functions, the market-oriented commercial insurance should play a more important role in the social risk prevention system. The safe production liability insurance is a typical embodi- ment of enterprises＂ economic demand and market wisdom under the background of Chinese enterprise safety production risk mortgage system, which reflects the general trend of change from static regulation to market choice. It can play the role of combination and complement of market selection and administrative enforcement with the work-related injury insur- ance. Commercial liability insurance has played an increasingly important role in modern society, because of its advantages such as compensation for the deficiency of administrative rigid regulations, supervision of enterprises to improve their risk management levels and coordination with administrative regulation means to achieve ＂social multi-component governance＂ goal. The government should take incentive measures instead of mandatory regulation to guide and encourage commercial insurance to play a better role in the modern social risk prevention system.