物业管理责任风险与风险的保险转嫁.doc

物业管理责任风险与风险的保险转嫁 摘 要 我国的物业管理始于八十年代初,最早的物业管理开始于经济特 区深圳,1988 年伴随深圳住房制度改革,物业管理迅速发展。随着 物业行业的不断发展,物业企业所产生的问题、造成的责任事故及物 业管理与业主的纠纷不断涌现,物业管理公司与物业使用者之间的法 律纠纷与日俱增,而且索赔金额也日益加大。这些都影响了物业管理 水平的提高,影响了物业管理行业的发展。物业管理公司在日常的经 营中面临着巨大的风险,如何转嫁风险成为摆在物业管理公司面前的 一个难题。对于大多数公司来说,通过保险转嫁风险是处理风险的最 佳方法。因此有必要加强物业管理责任保险的研究。 本文第一章是阐述了物业发展的背景,分析了我国物业发展的现 状,及物业行业自身所面临的问题,并提出了一些建议。 责任保险离不开法律法规的支持,只有通过法律严格界定相关行 业的责任边界,才能谈及责任风险的界定及保险转嫁,本文第二章从 我国目前相关法规对物业的责任界定和物业管理项目的产权区分所 有权以及我国物业管理产权模式现状进行分析比较。 第三章介绍了我国责任保险发展的现状,并针对物业责任保险的 现行条款结合笔者物业责任险的销售体会,对物业责任保险及责任风 险管理进行探讨,并提出自己的建议。 第四章指出引入专业的保险中介人的必要性及积极意义。关键词:物业、管理、责任风险、保险 4Abstract Chinas property management began in the early eighties, the first property management began in special economic zones in Shenzhen, Shenzhen in 1988 with the housing system reform, the rapid development of property management. With the continuous development of the property sector, property companies have a problem, caused by accidents and property management disputes with the owners continue to emerge, property management companies and property legal disputes between users increasing, but also increasing the amount of claimsAll these affect the level of property management, the impact of the property management industry. Property management companies operating in the day-to-day face huge risks, how to shift the risk of become the face of property management companies in a dilemma. For most companies, the risk is passed on through insurance the best way to deal with risk. It is therefore necessary to strengthen the property management liability insurance studyThis article is a chapter on the background of property development, an analysis of the status quo of Chinas property development and property industries face their own issues and put forward some suggestionsLiability insurance can not be separated from the support of laws and regulations, only strictly defined by law the responsibility of the border related industries in order to