我国现代物流的风险及物流保险需求分析

物流业已成为近几年我国经济领域中最活跃、最热门的新兴行业之一,第三方物流形态正引起人们的重视,其发展空间很大。但我国现代物流运行却涉及制度和法律风险、合同风险以及责任范围加大的风险。在现代物流中传统保险不能解决第三方物流公司面临的代位追偿等问题,而2004年推出的物流保险也存在物流保险责任范围小、计收保费依据不科学、不能满足快速发展的市场需求等缺陷。因此,我国急需发展现代物流综合保险,而根据物流市场的需要,进一步开发适销对路的险种是其中的关键。第三方物流企业也应根据需要选择物流综合保险策略,从而降低风险。

The Risk of China''s Modern Logistics and Need Analysis of Logistics Insurance

Logistics has been one of the most prosperous industries in China's economy and the third party logistics has attracted more attention and displays a sound prospect of development.Meanwhile,the operation of China's modern logistics tends to face the rise of risks involved in regulation,law,contract and scope of responsibility.The traditional insurance can not solve the problem of subrogation recovery conducted by the third party logistics and the logistics insurance launched in 2004 has a narrow scope of responsibility and the unscientific basis on which premium is charged and fails to meet the demands of a rapidly developing market.Therefore,it is urgent to launch the logistics synthesis insurance and the key point is to launch the proper insurance in need.The third party logistics enterprises should select logistics synthesis insurance so as to reduce risks.