完善电梯产品责任保险的思考与对策大学学位论文.doc

摘 要 多年以来，电梯安全监管模式所具有的鲜明计划经济色彩，高度的行政扩权依赖和强烈的行业垄断等缺陷，一些监管理念和做法已经不符合市场经济发展的需要和政府职能转变的要求。一方面，由于特种设备安全监察力量与特种设备数量的快速增长不相适应，人均特种设备监察量快速增长；另一方面，全省特种设备安全监察人员数量明显严重不足，而监管责任越来越重，监管的压力越来越大产品责任保险减少政府和部门不应承担的职责 关键词：电梯故障；电梯产品责任保险Abstract Over the years, elevator safety supervision mode with the bright colors of the planned economy, high degree of administrative power expansion dependence and strong monopoly industries and other defects, some of the regulatory philosophy and practices is not in line with the needs of the development of the market economy and the transformation of government functions. On the one hand, because the can not meet the rapid growth of the number of power safety supervision of special equipment and special equipment, rapid growth in per capita amount of special equipment supervision; on the other hand, the province special equipment safety supervision personnel quantity is obviously a serious shortage, and regulators increasingly heavy responsibility, regulatory pressure is more and more in order to reduce the elevator fault caused by the risk, introduce insurance mechanism of elevator, I think is very necessary. Elevator testing center of Shanghai Jiao Tong University professor Zhu Changming in a guest in the online interview, said that. At present, the relevant laws of our country have been encouraged by the policy, and some places have also been introduced into the elevator insurance mechanism. This article to improve the elevator product liability insurance, to the elevator safety valve - insurance to think and make measures to reduce the government and departments should not assume the responsibility. Key words： Elevator Accident；The elevator product liability insurance; ountermeasures 目 录 摘 要……………………………………………………………………Ⅰ Abstract……………………………………………………………………Ⅱ 一、产品责任保险的基本概念……………………………………1 ㈠ 我国商业银行中间业务发展的现状调查 ……………………………1 ㈡ 我国商业银行中间业务发展的现状分析………………………………1 二、我国商业银行中间业务发展存在的问题…………………………1 ㈠ 绝对收入额及其占营业收入的比例偏低 ………………………………1 ㈡ 对传统类中间业务依赖较大，创新