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食品安全强制责任保险制度的发展及构建 被引量:1

Development and Construction of Food Safety Compulsory Liability Insurance System
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摘要 鉴于我国目前的食品安全状况堪忧,本文通过揭示食品安全责任保险的运行困境,分析建立食品安全强制责任保险制度的必要性,进而提出构建我国食品强制责任保险制度的建议。具体而言,国家应通过政策引导和政府推动,采取税收、补贴、宣传等方式,解决投保率低的问题;将强制投保的对象限定为加工工艺较为复杂、潜在消费者易遭受风险的食品种类,完善食品安全强制责任保险流程中的承保、监督、赔偿环节;强制投保的保险责任范围应该限制为人身伤害和医疗费用,排除纯粹经济损失的适用,同时允许精神损害赔偿;在赔偿限额上,由政府划定底线,投保人自由加价的折中方式确定强制投保的责任限额;保险人的检查权应有相应的保障措施,同时减少第三人请求保险金的限制;适当扩大被保险人故意或重大过失行为的承保范围。 In view of the current worrying situation of food safety in China,this paper reveals the operational difficulties of food safety liability insurance,analyzes the necessity of establishing the food safety compulsory liability insurance system,and then puts forward Suggestions on the construction of food safety compulsory liability insurance system in China.Specifically,the state should adopt tax,subsidy and publicity methods to solve the problem of low insurance coverage through policy guidance and government promotion.Restrict the objects of compulsory insurance to food types with complex processing technology and potential consumers vulnerable to risks,and improve the processes of underwriting,supervision and compensation in the process of compulsory food safety insurance.Compulsory insurance coverage should be limited to personal injury and medical expenses,excluding the application of purely economic losses,and mental damage compensation is allowed;In the compensation limit,the government delimit the bottom line,the policyholder is free to raise the price of the compromise way to determine the compulsory coverage limit;The inspection right of the insurer should have corresponding safeguard measure,at the same time eliminate the limitation of the third party claiming insurance money;The scope of insurance coverage for intentional or gross negligence of the insured shall be appropriately extended.
作者 李西泠 李健男 Li Xiling;Li Jiannan
出处 《财经科学》 CSSCI 北大核心 2018年第12期104-115,共12页 Finance and Economics
关键词 食品责任 损害赔偿 强制保险 Food Responsibility Compensation for Damage Compulsory Insurance
作者简介 李西泠(1994-),武汉大学法学院,硕士生。电子邮箱:364059800@qq.com;李健男(1968-),暨南大学法学院,教授。电子邮箱:1jnlawyer@163.com。
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