责任保险发展瓶颈与发展趋势浅析

随着法律知识的普及和保险意识、维权意识深入人心,通过法律途径规避防范经营风险和消费风险,逐渐成为人们在生产和生活中不可或缺的需求,人们转嫁风险责任的意识日益提高。通过对责任保险这种风险转嫁机制发展进程中问题的剖析,从政策法规支持、市场机遇、公众意识等多方面阐述我国责任保险发展的有利条件,以期更好地发挥责任保险的社会管理功能和风险转嫁职能。

Liability Insurance: Bottleneck and Tendency of Development

With the popularity of law knowledge and enhancement of insurance and right-protection consciousness,it has become an inevitably need for people to evade and avoid management risk and consumption risk through a legal approach.People's consciousness of transferring risks and responsibilities is increasingly heightened.Based on analysis of problems in the development of liability insurance that is a risk-transfer mechanism,some advantages in policy support,market opportunity and public awareness for China to develop liability insurance are discussed.Accordingly,functions of social management and risk-transfer of liability insurance in China can be improved.