论文部分内容阅读
在十八届三中全会的公报中,保险行业的改革也是金融改革的重点之一。而保监会在落实三中全会的精神时,提出要进一步提高责任保险的开发力度,预计责任保险将获得更大的发展。所谓责任保险,是以被保险人对第三者依法应承担的赔偿责任为保险标的,即当披保险人依照法律需要对第三者负损害赔偿责任时,由保险人依照合同规定代其赔偿责任损失,目前,虽然我国责任保险领域已覆盖公众责任、产品责任、雇主责任、职业责任等多方面,开发出的险种也多达几十种,但实际市场推广情况并不乐观。
In the communiqu of the Third Plenary Session of the 18th CPC Central Committee, the reform of the insurance industry is also one of the focuses of the financial reform. While implementing the spirit of the Third Plenary Session of the CIRC, China Insurance Regulatory Commission (CIRC) proposed to further increase the development of liability insurance, and it is expected that liability insurance will achieve greater development. The so-called liability insurance is based on the insured liability of third parties according to law should be the subject of insurance, that is, when the insured in accordance with the law in the third party liability for damages, the insurer in accordance with the contract on their behalf to pay compensation At present, although the field of liability insurance in our country has covered many aspects such as public responsibility, product liability, employers’ liability and professional liability, there are also dozens of kinds of insurances developed, but the actual marketing situation is not optimistic.