中小学学生校方责任保险经营管理实证分析

进入新世纪、新阶段后,随着和谐社会治理理念的提出,校园安全问题备受社会各界关注。当发生校园伤害事故时,引入风险分散与管理机制是解决校园伤害事故纠纷的有效途径。校方责任保险作为一种低成本、高效率的风险分散与管理机制是较为理想的选择。本文以某保险公司义务教育阶段中小学校方责任保险经营发展中存在的问题为研究前提,通过文献分析、理论分析和数据分析,针对中小学校方责任保险经营现状中存在的问题提出相应的对策建议。

In society along with the the accident, introducing new century, campus security issues have attracted the attention of all sectors of concept of harmonious society governance proposed. In the case of campus injury risk diversification and management mechanism is an effective approach to solve campus injury accident conflicts while school liability insurance is an ideal selection due to its low cost and high efficiency. This paper is based on the existing problems in the business development of liability insurance for elementary and secondary schools in the stage of compulsory education offered by some in- surance companies. Additionally, countermeasures are proposed correspondingly based on the develop- ment status at home and abroad by means of literature review, theoretical analysis and data analysis.