摘 要
由于政策、监管等原因，我国的产品责任保险发展缓慢。实际上，产品责任保险，尤其是针对出口商品的产品责任保险，在我国仍属于一个尚未完全开发的保险领域。
实践中，由产品缺陷而引发诉讼甚至高额赔偿时有发生，影响了企业的正常生产与经营。随着产品责任赔偿金额的增加以及产品责任风险的加大，社会对产品责任保险的认识与需求也将随之加大。因此，系统地研究产品责任保险进行显得十分必要。
本文将从法律制度、公民法律意识等方面对我国的产品责任保险及其对出口企业乃至对社会经济的影响进行探讨。全文共分七个部分。第文章的一部分为绪论。第二部分介绍产品责任保险的理论基础，阐述产品责任保险的概念、功能以及与一般财产保险、信用保险的区别。第三部分分析我国产品责任保险的发展现状及其存在问题，阐述产品责任保险对我国出口企业健康发展的重要意义，说明法律制度和人们对保险的认识是影响我国的产品责任保险尤其是出口产品责任保险发展的重要因素。第四部分，作为借鉴，介绍和分析美国和欧盟产品责任及其法律制度的产生与发展。第五部分分析出口产品责任保险对我国的出口企业和对外贸易的影响，表明出口产品责任保险是保证国出口企业生产经营稳定的重要保障，也是保证我国经济增长的一个重要方面。第六部分基于前述各部分的分析，从完善法律制度、提高保险意识以及人才培养、保险管理等方面提出建议与对策。
最后，第七部分，是文章的结论与展望。健全产品责任及相关法律制度以及提高社会的风险与保险意识，应是当前和今后较长时期的重要任务。随着社会的进步和经济的发展，产品责任保险必将得到长足的发展。产品责任保险一定是财产保险的一个重要增长点。
关键字：产品责任；严格责任；责任风险；责任保险
ABSTRACT
Due to the policy, regulation, the development of product liability insurance is very slow. Infact, the product liability insurance, especially for the export product is still belongs to a notfully developed insurance field. In real life, defective product will lead to the highcompensation lawsuits , this affect the normal production and operation of the enterprises.
With the increase of product liability compensation, the increase of the product liability riskand social awareness of the product liability insurance, the demand of product liabilityinsurance will increase.
This article discusses the product liability insurance from the aspects of legal system,citizens' legal consciousness and its effect to the export enterprises and the social economy.
My article is divided into seven parts. The first part is the introduction. The second part ofthe article is about the theoretical basis of the product liability insurance, this part analysesthe function and the concept of the product liability insurance, and tell the differencebetween common property insurance and credit insurance. The third part analyzes thedevelopment of product liability insurance and the problem in the development of productliability insurance, demonstrating the important significance of products liability insuranceto the healthy development of the export enterprises in our country. The legal system andpeople's consciousness about the product liability insurance is very important to the productliability insurance, especially for export product liability insurance. The fourth part,introduces the United States and the European Union legal system of product liability and itsgeneration and development. The fifth part analyses the export product liability insuranceand its effect to our country's export enterprises and the international trade, export productliability insurance is a great security to the export enterprise and plays an important role inpromoting the production. Product liability insurance is also an important stumultive ofChina's economic growth. The sixth part is based on the foregoing analysis and puts forwardinsurance management suggestions and counter measures, only by perfecting legal system,improving the insurance consciousness and talents cultivation, insurance management canwe development our product liability insuranceFinally, the seventh part of the article is conclusion and prospect. Our country should build asystem of product liability, our government should improve the social awareness of productrisk, this will be an important task of a long period in the present and the future. With theprogress of the economic development, the product liability insurance will get rapid development. Product liability insurance will be an important growth point of the propertyinsuranceKey words: Product liability ; Strict liability;Liability risk ;Liability Insurance
目 录
摘 要 ……I
ABSTRACT ……II
目 录 ……IV
1 绪论 ……1
1.1 研究背景及研究意义 ……1
1.1.1 研究背景 ……1
1.1.2 研究意义 ……1
1.2 文献综述 ……2
1.2.1 国外文献综述 ……2
1.2.2 国内文献综述 ……3
1.3 创新之处与研究重点 ……3
1.3.1 创新之处 ……3
1.3.2 研究的重点 ……4
2 产品责任保险的理论基础 ……5
2.1 产品责任保险的概述 ……5
2.1.1 产品责任的概述 ……5
2.1.2 产品责任保险的概述 ……5
2.2 产品责任保险和其他财产保险的区别 ……6
2.2.1 产品责任保险和一般财产保险的区别 ……6
2.2.2 产品责任保险和信用保险的区别 ……7
2.3 我国出口产品责任保险常用险种-综合责任保险 ……8
2.3.1 综合责任保险性质分析 ……8
2.3.2 综合责任保险保单分析 ……9
3 我国产品责任保险发展现状 ……11
3.1 我国产品责任制度的现状 ……11
3.2 我国产品责任保险的发展现状……12
3.3 我国产品责任保险发展中的问题 ……12
4 欧美国家产品责任法律制度分析 ……15
4.1 欧美国家产品责任原则的发展 ……15
4.2 欧洲产品责任法律体系 ……17
4.3 美国产品责任法律体系 ……18
5 产品责任保险对我国经济的影响分析 ……19
5.1 产品责任保险对我国出口企业的影响 ……19
5.2 产品责任保险对我国对外贸易的影响 ……20
6 发展我国产品责任保险的建议 ……22
6.1 完善我国产品责任制度的建议 ……22
6.1.1 明确产品的定义 ……22
6.1.2 确立严格责任原则 ……22
6.1.3 明确产品责任的赔偿额度 ……23
6.2 我国保险业发展产品责任保险的政策建议 ……23
6.2.1 产品责任保险的风险控制 ……24
6.2.2 发展产品责任保险的人才培养 ……25
6.2.3 产品责任数据库的完善 ……26
7 结论与展望 ……27
7.1 结论 ……27
7.2 展望 ……27
参考文献 ……29
致 谢 ……31
