The Positive Role Of Special Equipment Liability Insurance For The Medium-sized&Small Enterprises Of Villages&Towns

With the development of special equipment, special equipment is more and morewidely used in the medium-sized&small enterprises of villages&towns. And itplays an important role in improving the production efficiency of enterprises. But thespecial equipment has danger and risk. It is easy to cause the safety accident, whileimproving the productivity, and it also brings security liability risk to the enterprises.Although the special equipment liability insurance has been carried out in variousparts of the country, but because of various reasons, many enterprises, especiallymedium-sized&small enterprises of villages&towns don’t insure the specialequipment which is managed. When the special equipment accident happens, theenterprise bears the heavy responsibility, especially the economic compensation. Itwill affect the development of enterprises, and even bankruptcy. So the research ofspecial equipment liability insurance has important significance to the role of themedium-sized&small enterprises of villages&towns. However, why will be theredanger and risk of special equipment under government supervision? Why can’t themedium-sized&small enterprises of villages&towns take security riskcompensation? How to solve? In this paper, the special equipment managementmechanism as the breakthrough point, from the external management of specialequipment and the internal management point for the medium-sized&smallenterprises of villages&towns, to study the accident risk source of the specialequipment of the medium-sized&small enterprises of villages&towns, and how tosolve transfer problems for the security liability risk.In this paper, the combination of theory with practice, research on positive effectsof special equipment liability insurance of the medium-sized&small enterprises ofvillages&towns through case, data, questionnaire, comparative analysis method. Andon this basis, put forward the countermeasures on how to promote the medium-sized&small enterprises of villages&towns to participate in the special equipmentliability insurance. Hope that through this paper, improve enterprise risk awareness,awareness of insurance, from the perspective of enterprise development, activelyparticipate in special equipment liability insurance, reduce risk, prevent or reduce theoccurrence of safety accidents of special equipment, to promote enterprisedevelopment, building a harmonious society. The main research contents of this paperinclude:(1) Based on the government supervision system of special equipment,analyzes the validity of management system and the contradiction of reality.(2)Based on the characteristics of the special equipment management for themedium-sized&small enterprises of villages&towns, analyzes the high risk factorsof the special equipment and safety risk management mode of the enterprises.(3)Based on the accident case and data analysis, analyzes the impact of specialequipment accident on the production, the development of the medium-sized&smallenterprises of villages&towns.(4) On the basis of the present study, the special equipment liability insurance is redefined, the effect of special equipment liabilityinsurance on the medium-sized&small enterprises of villages&towns is reanalyzed.(5) Based on the questionnaire survey, analyzes the factors of low insurance rate forthe special equipment of the medium-sized&small enterprises of villages&towns,and puts forward the countermeasures.The conclusions obtained in this paper:(1) In the statistical data shows that, China’s special equipment management system iseffective, sustainable and ensuring the safety situation of special equipmentstability, but in some areas, there is regulatory system to carry out the practicaldifficulties, the effective implementation of human factors, local economicdevelopment restriction supervision.(2) The medium-sized&small enterprises of villages&towns play an important rolein the national economic development, but compared with the large enterprises,the insufficient management of the special equipment is the main factor ofaccident prone.(3) The data analysis of the special equipment accident shows that, compared withother sectors, the use of links is still the high accident links. Compared with thescale enterprises, the medium-sized&small enterprises of villages&towns arestill the main accident areas. The accident compensation statistics, analysis showsthat the special equipment accident on the sustainable development ofmedium-sized&small enterprises of villages&towns is serious.(4) And through the analysis of several insurance comparison, for the specialequipment safety liability transfer, special equipment liability insurance is theinsurance that can’t be replaced by other.(5) According to the analysis to the questionnaire survey, only to strengthen insuranceinstitution building, strengthen service, strengthen communication andcoordination of government, insurance, industry and enterprises, can be effectivein promoting the medium-sized&small enterprises of villages&towns toactively participate in special equipment insurance.Possible innovation and breakthrough in this paper is as follows.(1) From thestatistical point of view, to analyze the liability for compensation of the safetyaccident of the medium-sized&small enterprises of villages&towns.(2) From thetransfer of special equipment accident compensation risk perspective, to redefine thespecial equipment liability.(3) From the angle of management, especially the humanfactor, to analyze the factors of high risk of special equipment accident in themedium-sized&small enterprises of villages&towns.(4) From the point ofprotecting the interests of enterprises actually, to put forward the project of perfectingthe product content of the special equipment liability insurance and promoting theservice level of the insurance agency.