The Study On Product Liability Insurance Mode Of China

Starting from the last1880s, China’s product liability insurance is still in its downturn, featuring the untimely treatment and compensation for consumers’ personal and property safety with the increasing of product liability risk. Therefore, how to effectively shift the liability risk from the perspective of product producers, agents and retailers respectively and properly guarantee the lawful rights and interests of consumers has become a burning question.Currently, China’s product liability insurance still focuses on its commercial insurance mode, that is, voluntary insurance for the insured. With the fast development of insurance, liability insurance in particular, the present commercial insurance mode not only prohibits the speeding development of product liability insurance, but also raises quite many related social issues, as a result of ineffective guarantee of the consumers’ legitimate rights and interests. Hence, it seems to be an urgent issue to think over and analyze carefully the disadvantages and shortcomings of product liability insurance mode and seek a proper product liability insurance mode which suits the current situations of China.This thesis concentrates on China’s product liability insurance development mode choice. It consists of six chapters. The first chapter begins with the purpose and importance of product liability insurance in China; the second chapter states the current problems of product liability insurance, and gives a definition and features of product liability insurance; the third chapter gives a deep analysis of the organization mode and specifics mode of product liability insurance in Overseas, for instance, America, Europe, Japan and Taiwan in China; chapter five focuses on China’s product liability insurance mode choice; answers the question why it is developing slowly; meanwhile, it tries to seek for a proper product liability insurance with Chinese characteristics, while chapter five compares the mode development of product liability insurance both at home and abroad; then with comparison and analysis, the thesis tends to find out that compulsory insurance is the proper way of solving the problem in China. The thesis ends with suggestions for the development of product insurance mode in China from four perspectives.In terms of the research method and utilization technology, the thesis employs comparative analysis, compares product liability insurance mode both at home and abroad, analyzes its related theory and practice, then finds the problems and tries to solve them. With both theory and practice, this study has combined theory with a specific product liability insurance practice.