产品召回保险法律问题研究

Research on Legal Issues in Product Recall Insurance

产品召回保险是产品召回制度的配套机制,深入研究这一机制对完善我国缺陷产品召回制度颇具学术价值和实践意义.产品召回保险可以分担生产者因召回产生的风险和财产损失,对于促进产品召回制度的有效实施是很好的路径,可以切实维护在现代工业风险社会中生产者与消费者的利益平衡.但现有的产品召回保险并未与产品召回制度相匹配,在保险条款的设置上还存在一些问题.因此,本文对产品召回保险进行研究,并对学界主张创设"召回强制保险"的观点提出自己的看法,以促进产品召回保险与产品召回制度的有机结合.

Product recall insurance is a supporting mechanism of the product recall system.The in-depth study on this mechanism has academic value and practical significance for improving the defective product recall system in China.Product recall insurance can share the risks and property losses caused by the recall.It is a good way to promote the effective implementation of the product recall system,and effectively maintain the balance of interests between producers and consumers in the modern industrial risk society.However,the existing product recall insurance does not match the product recall system,and there are still some problems in the setting of insurance terms.Therefore,this paper studies the product recall insurance and puts forward views of creating“compulsory recall insurance”in order to promote the organic combination of product recall insurance and product recall system.