Research On The Problem Of Food Safety Liability Insurance

In recent years,China's food safety accidents continue to happen.It not only seriously affects people's health level and quality of life,but also has a great impact on the country's economic and political order.Serious harm of food safety accidents led to profound thinking of all sectors of society to food safety liability insurance,but also enhance the public during food consumption safety awareness,so that people pay attention to the food safety problem more,also triggered a discussion on the topic of food safety liability insurance theory,and a lot of property insurance companies try to food safety liability insurance products,which means that the food safety liability insurance has become a hot topic in the insurance market of our country.Food safety accidents continue to happen in the public and regulatory organs,which concern highly about food safety.At the same time,all sectors of society are eager to get food safety liability insurance.Food safety liability insurance can effectively the risk transfer of food enterprises,so that consumers get good protection,enable the government to relieve stress,play an important role in economic and social insurance booster stabilizer,so our country to carry out the pilot work of food safety liability insurance delay.In April 24,2015,the national legislature deliberated and passed the latest revised food safety law of the People's Republic of China,which stipulates the responsibility insurance of food safety,which will promote the rapid development of China's food safety liability insurance.Although many areas of our country has already launched a pilot food safety liability insurance,and many property insurance company launched related food safety liability insurance products,but the food safety liability insurance premiums or whether it is in the construction of system development is relatively slow,is still in the initial stage,the development stage is effective the supply and demand situation.The research of food safety liability insurance in China's Insurance academia mainly focuses on the necessity and feasibility of developing food safety compulsory liability insurance.From the perspective of integrity and system construction,food safety liability insurance is analyzed.In addition,looking at the existing food safety system in China,we can find that the lack of food safety liability insurance is the biggest defect in the current food safety system.For example,the lack and deficiency of current food safety liability insurance,when food companies face huge compensation,shirk responsibility or "run away",so that consumers can not get compensation.In some areas,although the public liability insurance has a certain development,but there are still shortcomings,the food liability insurance in the process of development can not be used to apply its path.Therefore,the food safety accidents occur frequently under the condition of public liability insurance cannot assume responsibility should play in the construction of our country,we must strengthen the relevant laws and regulations,improve the food safety liability insurance,risk diversification play its role in social production,become the effective measures to solve the food safety problems.According to the latest revision of the "food safety law" as the background,through the investigation on the status of domestic and international food safety liability insurance,liability insurance for food safety problems,the main influence factors of carrying out the food safety liability insurance and food companies,insurance companies,regulators three game and food safety liability insurance study on pricing.First of all,this paper from the perspective of theory on the basis of the research on food safety liability insurance system to sort out the liability insurance and food safety liability insurance and the meaning of the development of food safety liability insurance and the negative effect,at the same time in order to lay a solid theoretical foundation,this paper expounds the theoretical basis of food safety liability insurance is to solve the problem of externality economics the justice and social security issues of sociology and law on.Secondly,the paper mainly analyzes the necessity and feasibility of the food safety liability insurance system.The security crisis has caused widespread dissatisfaction with the food enterprises,and also let consumers discounted the authority of food safety supervision in China.Facing the increasingly severe food safety crisis in China,it is very necessary to establish food safety insurance system.At present,the accountability system of food safety and the liability insurance system established in our country make the establishment of food safety insurance liability system in China feasible.Third,the present situation and existing problems about the development of the food safety liability insurance system are introduced.First,introduce the current situation of China's food safety liability insurance system,and analyze the problems of China's food safety liability insurance system,mainly related to the insurance company's own problems,imperfect legal system and the problems of food safety liability insurance system itself.Fourth,the factors that affect the insurance of food safety liability insurance are analyzed.On the theory of planned behavior analysis of factors influencing the food liability insurance will,by constantly adding other explanatory variables to examine the mechanism of the original explanatory variables on whether the insurance will change,so as to improve the food safety liability insurance and provides policy suggestions and data support for its development.In the current study of "food liability insurance",there are few studies on how to guide enterprises and ignore the choice preference from the point of view of the enterprise.It is possible to strengthen and improve the "food liability insurance" by studying the willingness of enterprises to insure "food liability insurance".Fifth,the supervision mechanism of insurance companies is established through the game perspective.Through the perspective of the game,the game equilibrium between intermediaries and insurance companies,three food enterprises are analyzed,how insurance companies in the implementation of the insurance contract,how to make food enterprises violations by reducing the rewards and punishment mechanism,and be able to carry food enterprise supervision and management is the focus of the study,and in theory for the food enterprises to cooperate with the insurance company to provide support.Sixth,the insurance premium of food safety liability is determined.First,the analysis of the problems of food safety liability insurance pricing and actuarial pricing model and comparative financial pricing model,selected financial pricing models determine the food safety liability insurance,and thus the option pricing model and capital asset pricing model of the deformation,summarizes its application in the insurance rate is determined,and the analysis of the conditions of their application finally,the design of pure rate option pricing model and the capital asset pricing model to design additional rate,obtain the final amount of premium.Seventh,elaborated the development experience of product liability insurance in developed areas in detail,and put forward some suggestions to promote the development of China's food safety liability insurance.Finally,the countermeasures and suggestions of improving our country's food safety liability insurance system.In China,the establishment and improvement of food safety liability insurance plays a strong role in safeguarding China's national economy and people's livelihood,and plays an important role in promoting the economic development of the food industry.On the basis of legislation on the pilot of liability insurance mechanism,we should further improve the specific system and supporting measures of food safety liability insurance,so that we can play the social function of food safety liability insurance,and effectively protect the fundamental interests of the broad masses.In the long run,it is of great significance to the development of the whole national economy and the security and stability of the country.