中国责任保险发展的研究

Research on the Development of Liability Insurance in China

在国外，责任保险是非寿险业不可或缺的支柱；中国的责任保险处于初级发展阶段。本文通过分析中国责任保险的现状及存在问题，认为中国需要有针对性地加强法律法规的建设，逐渐推行各种强制责任保险；通过各种有效渠道提高社会保险意识。保险公司应以社会需求为导向，加强保险产品创新；培养一支责任保险的管理团队和营销队伍；在保险期间加强防灾防损和风险管理；保险公司之间、保险公司与相关部门之间需要进行有效沟通，实现信息共享，促进中国责任保险的健康发展。

In foreign countries, liability insurance serves as the indispensable pillar in the non -life insurance industry. The liability insurance in China still exists at the initial stage. This paper analyzes the current status and the problems in China＇s liability insurance, holding the view that China should strengthen the laws and regulation development, gradually implement the compulsory liability insurance of various kinds and enhance the innovation of insurance products in a well- targeted manner. Meanwhile, it is also demanding to train a management team and marketing group for liability insurance, strengthen the disaster and loss prevention and risk management, promote the effective communication between different insurance companies and between the insurance company and the relevant departments, realize information sharing and advance the sound development of liability insurance in China.