本文選題：責(zé)任保險(xiǎn) + 大規(guī)模侵權(quán)風(fēng)險(xiǎn)　； 參考：《山東大學(xué)》2013年碩士論文

【摘要】：近年來,便隨著科學(xué)技術(shù)進(jìn)步,生產(chǎn)和消費(fèi)日趨大規(guī)模化,在經(jīng)濟(jì)利益的刺激下,違法違規(guī)生產(chǎn)經(jīng)營(yíng)與新科技不確定性等帶來的食品安全、環(huán)境污染、重大突發(fā)事故等領(lǐng)域的大規(guī)模侵權(quán)事故不斷增多,逐漸成為民眾和輿論關(guān)注的焦點(diǎn)。大規(guī)模侵權(quán)具有受害者人數(shù)眾多、損失范圍和損失程度大、因果聯(lián)系錯(cuò)綜復(fù)雜等特征,極易對(duì)社會(huì)秩序產(chǎn)生較大的沖擊,因此受到了越來越多的關(guān)注。 責(zé)任保險(xiǎn)作為一種重要的風(fēng)險(xiǎn)管理是手段,能夠在較大的范圍內(nèi)分散風(fēng)險(xiǎn),促進(jìn)風(fēng)險(xiǎn)行為人加強(qiáng)風(fēng)險(xiǎn)控制,降低風(fēng)險(xiǎn)事故損失,保障投保人和受害者的利益,并有利于社會(huì)的和諧穩(wěn)定。然而我國責(zé)任保險(xiǎn)在大規(guī)模侵權(quán)風(fēng)險(xiǎn)管理中的運(yùn)用程度十分的低。這是由于我國法律制度不健全與執(zhí)法不嚴(yán),使得我國責(zé)任保險(xiǎn)發(fā)展缺乏堅(jiān)實(shí)的法律基礎(chǔ)；公民維權(quán)難與維權(quán)意識(shí)不強(qiáng),使得我國責(zé)任保險(xiǎn)發(fā)展缺乏良好的社會(huì)環(huán)境；大規(guī)模侵權(quán)的外部性特點(diǎn)使得市場(chǎng)機(jī)制下責(zé)任保險(xiǎn)有效供給和有效需求不足。為此,許多學(xué)者和政務(wù)工作者紛紛呼吁推廣強(qiáng)制責(zé)任保險(xiǎn)。通過對(duì)政府、保險(xiǎn)企業(yè)、風(fēng)險(xiǎn)行為人和受害人四方主體利益間的博弈分析,可以發(fā)現(xiàn)大規(guī)模的侵權(quán)風(fēng)險(xiǎn)發(fā)生頻率高、損失程度較大、責(zé)任保險(xiǎn)市場(chǎng)供求不足、常需要政府花費(fèi)較高事故處理成本的風(fēng)險(xiǎn)領(lǐng)域較適合引入強(qiáng)制保險(xiǎn)模式。政府如果站在維護(hù)自身利益和受害者利益的角度,更傾向于選擇最大程度的保障水平。然而,政府也需要考慮強(qiáng)制責(zé)任保險(xiǎn)供求雙方的訴求。完善我國大規(guī)模侵權(quán)風(fēng)險(xiǎn)管理機(jī)制,需要發(fā)揮責(zé)任保險(xiǎn)在風(fēng)險(xiǎn)損失補(bǔ)償和風(fēng)險(xiǎn)防范控制中的作用,以更好地降低風(fēng)險(xiǎn)事故發(fā)生概率和損失程度,維護(hù)各方利益,促進(jìn)社會(huì)的和諧穩(wěn)定。 本文共分為七個(gè)部分。第一部分為導(dǎo)論,主要介紹研究主題提出的背景和研究意義以及論文的主要?jiǎng)?chuàng)新點(diǎn)與不足。第二部分為文獻(xiàn)綜述,從大規(guī)模侵權(quán)風(fēng)險(xiǎn)管理和責(zé)任保險(xiǎn)的運(yùn)用兩個(gè)方面總結(jié)了國內(nèi)外學(xué)者相關(guān)的研究成果。第三部分,分析了我國大規(guī)模侵權(quán)風(fēng)險(xiǎn)管理的現(xiàn)狀,對(duì)大規(guī)模侵權(quán)風(fēng)險(xiǎn)及其特征、成因進(jìn)行了介紹,并對(duì)我國大規(guī)模侵權(quán)風(fēng)險(xiǎn)管理的現(xiàn)狀進(jìn)行了分析。第四部分,分析了我國責(zé)任保險(xiǎn)在大規(guī)模侵權(quán)風(fēng)險(xiǎn)管理中運(yùn)用的現(xiàn)狀,對(duì)責(zé)任保險(xiǎn)具有的作用、運(yùn)用現(xiàn)狀和發(fā)展環(huán)境基礎(chǔ)進(jìn)行分析的基礎(chǔ)上,運(yùn)用經(jīng)濟(jì)學(xué)原理對(duì)其運(yùn)用不足的原因進(jìn)行了分析。第五部分,從不計(jì)免賠和帶有免賠額兩類強(qiáng)制責(zé)任保險(xiǎn)的引入邊界分析入手,分析了引入強(qiáng)制責(zé)任保險(xiǎn)的標(biāo)準(zhǔn)、我國強(qiáng)制責(zé)任保險(xiǎn)模式的選擇問題,并提出了需要注意的問題。第六部分,通過構(gòu)建我國企業(yè)大規(guī)模侵權(quán)事故四級(jí)補(bǔ)償機(jī)制和風(fēng)險(xiǎn)預(yù)防控制機(jī)制,探討責(zé)任保險(xiǎn)在該機(jī)制中的運(yùn)用問題。最后一部分是對(duì)文章的總結(jié)和對(duì)未來研究的展望。
[Abstract]:In recent years, with the progress of science and technology, the scale of production and consumption has become larger and larger. Under the stimulus of economic benefits, the food safety and environmental pollution brought about by illegal production and operation and uncertainty of new science and technology, Large-scale tort accidents in the field of major accidents and other fields are increasing and gradually become the focus of attention of the public and public opinion. Large-scale tort has the characteristics of numerous victims, large loss range and loss degree, complicated causality and so on. It is easy to have a great impact on the social order, so it has been paid more and more attention. As an important means of risk management, liability insurance can spread the risk in a large scope, promote the risk doer to strengthen the risk control, reduce the risk accident loss, and protect the interests of the policy holder and the victim. And conducive to social harmony and stability. However, the application of liability insurance in large-scale tort risk management is very low. This is because our country's legal system is not perfect and the law enforcement is not strict, which makes the development of our liability insurance lack a solid legal foundation, the citizens' rights protection is difficult and the awareness of protecting rights is not strong, which makes the development of our liability insurance lack of a good social environment. The externality of mass infringement makes the effective supply and effective demand of liability insurance insufficient under the market mechanism. To this end, many scholars and government officials have called for the promotion of compulsory liability insurance. Through the game analysis between the government, insurance enterprises, risk doers and victims, we can find that the large-scale tort risk occurs frequently, the loss degree is large, and the supply and demand of liability insurance market is insufficient. The risk area which often requires the government to spend higher accident treatment cost is more suitable to introduce the compulsory insurance model. The government is more inclined to choose the maximum level of protection if it stands to safeguard its own interests and victims' interests. However, the government also needs to consider the demands of both supply and demand for compulsory liability insurance. In order to improve the risk management mechanism of large-scale tort in China, it is necessary to give full play to the role of liability insurance in risk loss compensation and risk prevention and control, so as to better reduce the probability and degree of risk accidents and safeguard the interests of all parties. Promote social harmony and stability. This paper is divided into seven parts. The first part is the introduction, mainly introduces the background and significance of the research topic, as well as the main innovation points and shortcomings of the paper. The second part is the literature review, from the large-scale tort risk management and the application of liability insurance summarized the domestic and foreign scholars related research results. The third part analyzes the current situation of large-scale tort risk management in China, introduces the characteristics and causes of large-scale tort risk, and analyzes the current situation of large-scale tort risk management in China. The fourth part analyzes the application of liability insurance in large-scale tort risk management, the role of liability insurance, the application of the status quo and the development of the environmental basis of analysis. This paper analyzes the reasons for its lack of application by using the principles of economics. The fifth part, from the introduction boundary analysis of two kinds of compulsory liability insurance without deductible and with deductible amount, analyzes the standard of introducing compulsory liability insurance, the choice of compulsory liability insurance mode in our country, and puts forward some problems needing attention. The sixth part discusses the application of liability insurance in this mechanism by constructing the four-level compensation mechanism and risk prevention and control mechanism. The last part is the summary of the article and the prospect of future research.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.3

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 粟榆;;責(zé)任保險(xiǎn)在大規(guī)模侵權(quán)中的運(yùn)用[J];財(cái)經(jīng)科學(xué);2009年01期

2 粟芳;;責(zé)任保險(xiǎn)供給不足的經(jīng)濟(jì)學(xué)根源[J];財(cái)經(jīng)論叢;2009年01期

3 周海珍;;強(qiáng)制保險(xiǎn)對(duì)提高市場(chǎng)效率的作用研究——基于對(duì)信息不準(zhǔn)確保險(xiǎn)市場(chǎng)的分析[J];財(cái)經(jīng)論叢;2011年01期

4 謝遠(yuǎn)揚(yáng);;論侵害人不明的大規(guī)模產(chǎn)品侵權(quán)責(zé)任:以市場(chǎng)份額責(zé)任為中心[J];法律科學(xué)(西北政法大學(xué)學(xué)報(bào));2010年01期

5 陳冬梅;夏座蓉;;環(huán)境污染風(fēng)險(xiǎn)管理模式比較及環(huán)境責(zé)任保險(xiǎn)的功能定位[J];復(fù)旦學(xué)報(bào)(社會(huì)科學(xué)版);2011年04期

6 朱巖;;大規(guī)模侵權(quán)的實(shí)體法問題初探[J];法律適用;2006年10期

7 趙尚梅;顧國學(xué);;公共場(chǎng)所火災(zāi)公眾責(zé)任風(fēng)險(xiǎn)保障機(jī)制研究[J];保險(xiǎn)研究;2012年09期

8 曹昌偉;;大規(guī)模侵權(quán)損害救濟(jì)的政府介入及其規(guī)制[J];河南師范大學(xué)學(xué)報(bào)(哲學(xué)社會(huì)科學(xué)版);2012年03期

9 孫宏濤;;論強(qiáng)制保險(xiǎn)的正當(dāng)性[J];華中科技大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2009年04期

10 粟榆;;責(zé)任保險(xiǎn)在大規(guī)模侵權(quán)風(fēng)險(xiǎn)管理中的角色定位與制度建設(shè)[J];廣東金融學(xué)院學(xué)報(bào);2011年01期

相關(guān)博士學(xué)位論文 前1條

1 張磊;中國強(qiáng)制責(zé)任保險(xiǎn)制度研究[D];廈門大學(xué);2007年

，

本文編號(hào)：2078562