责任保险发展论文.doc

责任保险发展的困境及对策分析 内 容 摘 要 随着我国社会主义市场经济的迅速发展，责任保险作为一种具有较强社会管理功能的险种，在我国国民经济和社会发展中所发挥的作用日益突出。责任保险的发展对于维护和实现人民群众的根本利益、保障国民经济的有序进行、维护社会稳定、促进法律体系的完善有着极其重要的作用。近年来，由于法律化程度相对落后，民众认识不足以及责任保险市场供需的不足，责任保险面临种种困境。本文通过对近年来我国责任保险的发展及现状分析，指出我国责任保险存在的问题，论述了加强责任保险的必要性、可行性，最后对如何完善我国责任保险制度提出了相关的建议。 关键词：责任保险 无过错责任原则 过错原则 强制责任保险 Analysis of Liability Insurance dilemma and countermeasure Abstract With Chinas socialist market economy rapid development, liability insurance as a kind of strong social management function of insurance, in Chinas national economy and social development plays an increasingly prominent role.The development of liability insurance to safeguard and realize the fundamental interests of the people, safeguard countryman economy undertakes in order, maintain social stability, promote the improvement of the legal system plays a very important role.In recent years, because the law is relatively backward, lack of awareness and public liability insurance market supply and demand is insufficient, liability insurance is facing difficulties.This article through to the recent years development of liability insurance in our country and current situation analysis, pointed out the problems of liability insurance of our country, discussed strengthen liability insurance the necessity, feasibility, the last on how to perfect the system of liability insurance of our country put forward the related proposal. Key words: Liability Insurance The principle of No-fault Liability Fault Liability Principle Compulsory Liability Insurance  目录 引言 1 一、责任保险发展的现状和意义 1 （一）责任保险发展的现状 1 （二）责任保险发展的意义 2 二、责任保险发展过程中存在的问题和原因分析 3 （一）责任保险发展中存在的问题 3 1.法律制度存在的主要问题 3 2.保险主体业务经营中存在的主要问题 3 （二）责任保险发展滞后的原因分析 3 1.法制化程度相对落后，民众认识不足 3 2.责任保险市场需求不足 4 3.责任保险市场供给不足 4 三、责任保险发展的对策和建议 4 (一) 进一步强化法律法规建设 4 1.稳步推进法律法规建设，创造责任风险转移需求 4 2.加强相关法律操作可行性，明确经济赔偿责任范围 4 3.扩大强制责任保险的范围 5 (二) 不断提高保险经营主体的经营管理水平 5 1.培育责任保险供给主体，完善责任保险产品结构 5 2.加强风险管理，控制经营风险 5