我国责任保险发展的影响因素分析.docxVIP

我国责任保险发展的影响因素分析　　摘要：与发达国家相比，我国责任保险发展滞后，是保险业发展不足但潜力巨大的领域。基于经济理论和国际经验，采用2001―2012年(2013年)我国省级单位和地级单位的面板数据，分析影响我国责任保险发展水平的主要因素，结果表明：我国责任保险处于初级发展阶段，责任保险的赔付水平低于发达国家;我国责任保险赔付与宏观经济社会变量的相关性较弱，这与主要发达国家相同;我国责任保险赔付与医疗保健服务的使用、医疗保健服务价格指数、CPI的相关性弱于其与人均GDP、人均工资水平的相关性，这与主要发达国家相反。经济新常态下，我国责任保险发展应将环境污染、食品安全、医疗责任等与人们日常生活紧密相关的领域作为重点，并将责任保险嵌入社会风险管理的全过程。 　　关键词：责任保险;保险赔付密度;环境污染责任保险;食品安全责任保险;医疗责任保险;社会风险管理 　　Abstract: Compared with developed countries, China lags behind the development of liability insurance, but the insurance industry is the lack of great potential in the field. Based on economic theory and international experience, the 2001-2012 year (2013) panel data unit of the provincial and local level units, analysis of the main factors affecting the level of liability insurance, the results show: My liability insurance at an early stage of development, the level of liability insurance payments lower than developed countries; weak correlation of liability insurance payment and macroeconomic social variables, which is the same as the major developed countries; use of liability insurance payments and health care services, medical care services price index, CPI weaker correlation with per capita GDP, per capita wage correlation, which is opposite the major developed countries. Under the new economic normality, of environmental pollution liability insurance should be areas closely related to people#39;s daily lives and food security, medical liability as a priority, and liability insurance to embed the whole process of social risk management. 　　Keywords: liability insurance; insurance payments density; environmental pollution liability insurance; food safety liability insurance; medical liability insurance; social risk management 　　一、引言 　　责任保险是指以被保险人的法律赔偿风险为承保对象的一类保险，它属于广义的财产险范畴，但又具有自身独特的内容和经营特点，从而是一类可以独成体系的保险业务。20世纪50年代初期，我国只办理汽车第三者责任保险和船舶、飞机险附加的第三者责任保险以及涉外保险领域中涉及的少量展览会公众责任保险;50年代后期，责任保险随整个保险业一起停办;70年代末，为适应对外开放和发展国际贸易的需要，中国人民保险公司国外业务部开办了产品责任保险业务(许瑾良，2003)。1980年国内保险业复业，责任保险的发展速度与保险业整体的发展