| Recently, there were so many accidents occurring in our country, most of which were related with the food safety problem. The occurring of these accidents reminded us of the urgency of the food safety problem. Especially from September2008"San Lu baby milk powder lead to a kidney stones" events since the exposure,’melamine " events still storm constantly, in home caused a crisis of confidence milk industry. By the end of2009, Shanghai panda dairy melamine exceeds the information to be published; In early2010, exceed bid melamine milk powder and in Qinghai and Gansu、Jilin, appear; Therefore, San Lu group Co., LTD to bankrupt the company in February12,2009, other companies producing milk powder suffered from a great loss because of the recalling and compensation.Nowadays, the demand for ready-to-eat food with longer-lasting freshness may have indirectly contributed to the spread of food borne illness.All of these are causing the uprising frequency of the food safety accidents, the deepening degree of the damage, and also the enlarging range of the effect. If there is no effective measure to prevent these problems, serious consequences will be caused. The right of the customers can’t get timely protection, and the following treatment and life can’t be guaranteed. The effect can also spread to the operation of the factory and the daily life of the employees.At present, Chinese government, food industry, as the public are beset by the problems of food quality, this paper summarized the present food safety risk to some of the method. Let’s look at the method our country use to deal with the risk: the government is the major supervisor in the field of food safety, however, the measure using was too simple, the efficiency is relatively low, and the supervision is lack of systematicness and pre-planning. After the occurring of the accidents, the government has to face many problems such as products disposal, the treatment of the victims and the compensation, which put a great pressure to the government. As we can see, insurance doesn’t play an active role in the risk management of food safety, which is regarded as an important tool to transfer the risk and manage the social problem. On the other hand, the high frequency of food safety problem and the great loss indicates the potential demand for the management of food safety liability insurance. The insurance industry in our country also needs urgently cultivating the new market to improve the business structure, upgrading the operating effect, to enhance the development level of the whole industry.There are plenty of excellent researches considering the food safety problem. Nevertheless, most of them are focusing on the role that the government should play in the field of risk management. In terms of the research aiming at our country, especially the compulsory insurance, the review is rare as the phoenix, not to mention the systematic and comprehensive exploration. Therefore, this paper has a deep study of food safety compulsory insurance, and put it into China’s food safety management system, and will be to our country the food safety field and the development of the insurance industry make great contribution.For from the structure, this paper can be divided into introduction and five most sections:The introduction of this article mainly introduced the research purpose, significance, thoughts and methods, the current domestic and international scholars in food safety has forced liability insurance as well as research results, and also made proper analysis, and finally expounds the innovation of this paper place and shortage. In our country’s food safety accidents occur frequently, explore the food safety enforcement liability insurance development thought of great significance.The first part firstly explain the food safety risk responsibility of meaning, of its characteristics are summarized and description. Among them, this paper points out that with the passage of time, the domestic and foreign to "food safety" is a word to understanding is in constant development and perfection, food industries after long development, the state of food safety awareness of the problem on the safety of the food by the number on the transition to the quality of the food safety, and cited the world health organization and the United Nations food and agriculture organization for the definition of it. Second, the food safety alone in foreign liability insurance less, and will usually be food safety liability insurance covers and product liability insurance in, so based on the analysis of the food safety responsibility insurance, first for product liability insurance are introduced in this paper. At last, the paper introduces the meaning of food safety liability insurance and the characteristics.The second part of the first introduced in food safety liability insurance development present situation, although for home insurance company in the business, but with our serious food safety responsibility than risk, insurance is the development of the extremely insufficient. Then, this paper analyzed from three aspects of the slow its reasons, such as different economic subject based on their own interests, food security liability insurance of its own characteristics and so on. Finally, through the analysis of overseas food security liability insurance success experience, for our country the food safety responsibility insurance development put forward several Suggestions, including increased consumer rights consciousness and the concept of legal system, the universal food producers and sellers insurance knowledge, further perfect the laws and regulations of our country system, the insurance company as business subject should strengthen the publicity, etc.The third part mainly analyzes the development of our country’s food safety forced liability insurance the necessity and feasibility. Here first of all that food safety forced liability insurance and ordinary business food security liability insurance is a difference, at the same time they also exist between a link. From then on the people’s livelihood, pay attention to the health of the citizens to analyze the food safety and the importance of the development of food safety of the necessity of forced liability insurance. The people, the food to Ann first, food safety problems related to the immediate interests of the consumers, is related to the general public health and life safety, relates to the social stability. Finally, this paper analyzes the development of our country’s food safety forced liability insurance advantage, and through the reference for the successful development experiences dealing in recent years, China’s food safety for compulsory responsibility of insurance provides some Suggestions.The fourth part first of all that food producers and sellers of risk responsibility by both on the inner and outer environment, this paper expounds the past dozens of years, our country’s food poisoning happened because of food poisoning and of injuries in number and death toll. Then, this paper analyses the underwriter is in the process of rate is set to meet the several basic goal, and thus for scientific and reasonable pricing. Finally, this paper proposes the use of pure insurance cost method and loss method of food safety forced liability insurance premium on set. and analysis of the two methods of the relation and distinction between, points out that the two methods in the mathematical analysis of the consistency.The fifth part in our country were proposed food safety enforcement liability insurance development of some tips, mainly including perfecting legislation, reasonable premium, regulators set on the communication between the insurance industry association and cooperation and mutual funds, etc. On the legislation, and points out that as soon as possible here should be perfect food safety laws and regulations related to the construction of system, In the regulatory supervision process, should strictly to food producers and sellers of food safety management, strict control, to ensure food security. Insurance industry association shall establish mutual funds; to the loss of serious the underwriter gives certain support, in order to ensure food safety in China compulsory responsibility of insurance durative development. |
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