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如何把绑架勒赎这一暴力恐怖犯罪纳入到中国保险法体系中,进而开发绑架勒赎(Kidnap&Ransom Insurance)类保险,从而达到在新形势下,以法律手段应对绑架勒赎这类的恐怖犯罪,已经成为当下中国社会经济转型中无法回避的问题。本文认为,“绑架勒赎”这一丑恶的社会现象,在新形势下通过金融(保险)手段加以厘定是存在法理基础的,在现实中也是有社会需求的。监管机构应当在条件适当时,放松对此类金融创新的管制,从而有利于中国社会经济向“卡尔多改进”转型。
How to bring the abduction and redemption of this violent and terrorist crime into China’s insurance law system and then develop the Kidnap & Ransom Insurance insurance so that under the new situation, legal means to handle terrorist abductions and redemptions have been reached. It becomes an unavoidable issue in the current social and economic transition in China. This article argues that the ugly social phenomenon such as kidnapping and redemption exists in the legal basis under the new situation and is determined by means of finance (insurance). In reality, there are also social needs. Regulators should relax the control over such financial innovations when the conditions are right so as to be conducive to the transformation of China’s social economy into a “Cardo Improvement”.