發(fā)布時(shí)間：2018-04-14 18:01

  本文選題：校方責(zé)任保險(xiǎn) + 校園安全��； 參考：《廣西大學(xué)》2013年碩士論文

【摘要】：校園傷害事件一直是令家長(zhǎng)和學(xué)校談之色變的社會(huì)安全問題。其中,中小學(xué)、幼兒園校車安全問題是近期社會(huì)關(guān)注的焦點(diǎn),從全國(guó)來看,每年發(fā)生的與校車有關(guān)的交通安全事故數(shù)量卻在呈增長(zhǎng)趨勢(shì)。此外,中小學(xué)校校園中的校園傷害事件、食物中毒事件、溺水事件和房屋倒塌事故等也占了相當(dāng)大的比例。這些事故不僅給受害家庭帶來傷痛,也給學(xué)校帶了巨大的壓力,很多巨額索賠官司也由此開始。若學(xué)校購買了校方責(zé)任保險(xiǎn),學(xué)校的賠付壓力會(huì)大大的減輕。另一方面,隨著我國(guó)公民綜合素質(zhì)的全面提高,民眾的維權(quán)意識(shí)也相應(yīng)得到了提升,學(xué)生在校園發(fā)生事故后,家長(zhǎng)有權(quán)向校方進(jìn)行索賠；學(xué)校同樣也意識(shí)到應(yīng)積極承擔(dān)由于自身管理不善或者疏忽造成的賠償責(zé)任。 我國(guó)推廣中小學(xué)校方責(zé)任保險(xiǎn)已有多年,但在實(shí)際操作過程中也發(fā)現(xiàn)許多問題,如法制不健全、保費(fèi)來源不足、條款存在缺陷、險(xiǎn)種數(shù)量不能滿足市場(chǎng)需求、承保責(zé)任范圍不寬、賠償額過低等。這些問題是在我國(guó)實(shí)施中小學(xué)校方責(zé)任保險(xiǎn)多年的實(shí)際經(jīng)驗(yàn)基礎(chǔ)上總結(jié)出來的。由于我國(guó)中小學(xué)校方責(zé)任保險(xiǎn)存在以上缺陷,中小學(xué)校并沒有從購買的校方責(zé)任保險(xiǎn)中多受益,校方責(zé)任保險(xiǎn)沒有充分體現(xiàn)出它應(yīng)有的保險(xiǎn)職能。所以,當(dāng)前對(duì)完善我國(guó)校方責(zé)任保險(xiǎn)提出了更高的要求。 因此,為了充分保障受害學(xué)生的權(quán)利,減輕校方的賠付壓力,使得我國(guó)的教育事業(yè)健康發(fā)展,必須不斷完善我國(guó)的校方責(zé)任保險(xiǎn)。本文在深入研究前人的相關(guān)理論和當(dāng)前廣西區(qū)校方責(zé)任保險(xiǎn)的現(xiàn)狀的基礎(chǔ)上,借鑒發(fā)達(dá)國(guó)家的成熟經(jīng)驗(yàn),提出改進(jìn)的對(duì)策,使之不斷適應(yīng)我國(guó)學(xué)校的實(shí)際需要,希望能夠在該領(lǐng)域?yàn)楹笕颂峁﹨⒖?為擴(kuò)大校方責(zé)任保險(xiǎn)的普及范圍,進(jìn)而為我國(guó)教育事業(yè)的健康發(fā)展做出貢獻(xiàn)。
[Abstract]:Campus injuries have long been a social security issue for parents and schools to talk about.Among them, the safety problem of school bus in primary and middle schools and kindergartens is the focus of social attention recently. In the whole country, the number of traffic safety accidents related to school buses is increasing every year.In addition, the incidence of campus injury, food poisoning, drowning and house collapse in primary and secondary schools also accounted for a large proportion.These accidents not only hurt families, but also put a lot of pressure on schools.If the school bought the school liability insurance, the school will greatly reduce the pressure to pay compensation.On the other hand, with the overall improvement of the comprehensive quality of Chinese citizens, the awareness of safeguarding the rights of the public has been improved accordingly, students in the campus accident, parents have the right to claim compensation from the school;Schools are also aware that they should be actively responsible for their mismanagement or negligence.Our country has been popularizing the party liability insurance in primary and middle schools for many years, but many problems have been found in the practical operation process, such as imperfect legal system, insufficient premium source, defects in terms, and the quantity of insurance can not meet the market demand.The scope of underwriting is not wide, the amount of compensation is too low, etc.These problems are summed up on the basis of many years' practical experience of implementing square liability insurance in primary and secondary schools in China.Because of the above defects in the liability insurance of primary and secondary schools in our country, the primary and secondary schools do not benefit from the liability insurance purchased by the schools, and the liability insurance of the primary and middle schools does not fully reflect its proper insurance function.Therefore, at present, the improvement of our school liability insurance put forward higher requirements.Therefore, in order to fully protect the rights of the injured students, reduce the pressure of compensation and make the education of our country develop healthily, we must constantly improve the liability insurance of the school in our country.On the basis of deeply studying the related theories of predecessors and the current situation of Guangxi school liability insurance, this paper draws lessons from the mature experience of developed countries, and puts forward some countermeasures to improve it so as to make it adapt to the actual needs of our country's schools.Hope to provide reference for future generations in this field, to expand the scope of school liability insurance, and then to contribute to the healthy development of education in China.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.62

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 龍玫;尹力;;美國(guó)學(xué)校責(zé)任保險(xiǎn)的基本運(yùn)行模式及其特點(diǎn)[J];比較教育研究;2008年03期

2 王選慶;銷售保險(xiǎn)就是銷售信用——新時(shí)期縣域保險(xiǎn)的社會(huì)責(zé)任與經(jīng)營(yíng)理念[J];改革與戰(zhàn)略;2005年09期

3 唐金成;孫靈剛;;我國(guó)公眾責(zé)任保險(xiǎn)發(fā)展淺析[J];河北金融;2011年09期

4 向會(huì)英;;學(xué)校體育傷害賠償制度研究[J];南京體育學(xué)院學(xué)報(bào)(社會(huì)科學(xué)版);2012年01期

5 楊秀朝;;第三人侵權(quán)學(xué)生傷害事故的學(xué)校補(bǔ)充責(zé)任[J];現(xiàn)代教育管理;2010年07期

6 陳云凡;;中小學(xué)生意外傷害的風(fēng)險(xiǎn)分散機(jī)制[J];現(xiàn)代教育管理;2011年09期

7 李理;國(guó)內(nèi)校方責(zé)任險(xiǎn)條款的法律缺陷[J];上海保險(xiǎn);2004年10期

8 榮靜;楊川;;關(guān)于相互保險(xiǎn)在中國(guó)適用性的分析和思考[J];上海保險(xiǎn);2006年05期

9 周愛光;日本學(xué)校體育保險(xiǎn)的法律基礎(chǔ)[J];體育學(xué)刊;2005年01期

10 唐金成;孫靈剛;;責(zé)任保險(xiǎn)社會(huì)管理功能簡(jiǎn)論[J];上海保險(xiǎn);2012年01期

，

本文編號(hào)：1750413