责任保险:政府应急管理成本的有效分担

Liability Insurance:Effective Share of Government Emergency Management Costs

风险社会中的损害救济难以通过单一性手段来实现,为减轻政府财政压力、规避企业破产风险、对受害人实施充分救济,必须搭建多元化的救济网络,责任保险应成为其核心组成部分。责任保险拥有风险防控与成本控制的天然优势,可有效分担政府应急管理成本,但其功效取决于良好的法律环境。因此,发挥责任保险分担政府应急管理成本的关键步骤在于:完善民事侵权责任法律体系、切实普及责任保险知识;同时,为进一步发挥责任保险的各项功能,应加强政府引导,强化保险公司创新意识,积极协调其与其他救助方式的相互关系,从而推动"政府引导、市场运作、立法保障"的责任保险模式的稳步发展。

The damage relief in the risk society is difficult to be realized through a single means.In order to reduce the financial burden of the government,to avoid the risk of enterprise bankruptcy,to fully relieve the victims,a diversified relief network must be established and the liability insurance should become its core component.Liability insurance has the natural advantages of risk prevention and cost control,which can effectively share the cost of the government emergency management.But its effectiveness depends on a good legal environment.Therefore,for the liability insurance,the key step to share the cost of the government emergency management is to improve the legal system of civil tort liability.Meanwhile,in order to give full play to the function of liability insurance,we should strengthen the guidance of the government,improve innovation consciousness of the insurance companies,and actively coordinate their mutual relations with other relief methods,so as to promote the steady development of the liability insurance.