Research On The Development Of Safety Production Liability Insurance In China

In recent years,China’s industrialization,urbanization process continues to accelerate,the secondary and tertiary industries to achieve rapid development,but with it,in addition to the increasing number of production and construction activities,there are constantly occurring safety accidents.These accidents seriously threaten the lives and property safety of the people and have a considerable impact on the harmony and stability of society.How to reduce the occurrence of accidents and reduce the negative impact of accidents has become the focus of the community’s attention.Insurance,as an important tool of modern risk management,deserves to be added to the governance of safety production risks.Therefore,China launched the safety production liability insurance system in 2006 and conducted pilot projects in some cities.After years of development,China’s safety production liability insurance has progressed to a certain extent in terms of coverage and other aspects,but it still lacks perfect operational standards,and insured enterprises and insurance institutions still pay insufficient attention to safety production liability insurance,making the safety production liability insurance market still in a relatively low-level price competition and marketing competition stage,unable to give full play to its insurance functions,and failing to achieve the initial goal of implementing the safety production liability insurance system.Therefore,it is of great theoretical and practical significance to conduct an in-depth study on China’s safety production liability insurance and to explore countermeasures to further improve the safety production liability insurance system.This paper uses literature research,comparative analysis and other methods to study the development of China’s safety production liability insurance,the main contents include the following: Firstly,we analyze the legislation,operation mode and actual operation status of safety production liability insurance in China,based on which,we summarize the problems in the operation of safety production liability insurance and dig out the specific reasons.Secondly,by studying the differences between the relevant insurance systems in Germany and the United States and China’s safety production liability insurance system,we summarize the mature experience abroad,and then provide reference for the development of safety production liability insurance in China,including multiple ways to improve the enthusiasm of enterprises to take out insurance,improve the quality of safety production liability insurance services,and improve the participation of insurance intermediaries.Finally,from the actual situation in China,the following suggestions are made for the further development of safety production liability insurance in China.One is to establish a complete accident prevention mechanism guided by the 3E principles,and insurance companies should strengthen the gate-keeping of engineering technology of insured enterprises,conduct safety education,and make good use of the legal effect to bind the parties involved in safety production liability insurance.Two is to combine the SERVQUAL theory with the economic compensation function of safety production liability insurance,and put forward five suggestions for insurance companies to enhance their underwriting capabilities,introduce insurance intermediaries in the claims process,provide accident rescue services,use market competition to improve service timeliness,and provide personalized claims and rescue services.