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从宏观视角运用社会成本理论进行分析,将责任保险机制引入侵权损害赔偿制度,不仅可以大幅度地节省侵权的救济成本,而且可以提高综合社会损害防控体系的运行效率。那种认为在侵权损害赔偿领域引入保险机制必然扩大社会损害规模因而是无效率的传统观念可能并不正确。责任保险制度是否有效在很大程度上取决于相关制度如何安排。为提高责任保险制度的效率,相关制度的设计必须从社会损害综合防控的视角出发,一方面通过合理的制度安排,强化侵权损害的救济成本控制;另一方面,应充分重视保险机制提高综合社会损害防控体系运行效率的作用,通过更有效率的社会损害防控体系,降低社会损害的总规模。
The analysis of the social cost theory from a macro perspective and the introduction of the liability insurance mechanism into the system of tort damages not only save the relief costs of infringement drastically, but also improve the operational efficiency of the comprehensive social damage prevention and control system. The traditional wisdom that the introduction of insurance schemes in the area of compensation for damages would necessarily increase the scale of social harm and thus be inefficient may not be correct. The effectiveness of the liability insurance system depends largely on how the system is arranged. In order to improve the efficiency of the liability insurance system, the design of relevant systems must be based on the perspective of social damage prevention and control. On the one hand, rational institutional arrangements should be adopted to strengthen the control of relief costs of infringement damages. On the other hand, full attention should be paid to improving insurance mechanisms Social damage prevention and control system operating efficiency, through more effective social damage prevention and control system to reduce the total scale of social damage.