Research On Questions Of The School Liability Insurance Development In Gansu Province

In recent years, the school accident injuries have occurred, not onlyaffect the normal school teaching order, but also brought a legal disputeto the school, and even affect social stability. In2008, the Ministry ofEducation, Ministry of Finance and China Insurance RegulatoryCommission issued《Notice on the implementation of school liabilityinsurance to improve the management mechanism of campus accidentalinjury》， which called for further strengthening schools notify riskmanagement, maintaining normal school teaching order to promotepeace and harmony campus construction, the relevant departments toestablish and improve School liability insurance system on the basis ofthe original means and methods in order to pass the paymentresponsibility from school to insurance companies, to achieve win-winsituation among school, affected families and insurance companies.Meanwhile, with the gradual implementation of school liability insurance,which is the basic means of school risk management and control, schoolliability insurance system plays an important role on preventing andresolving all types of accidents risk, strengthening safety management ofeducation, establishing and improving educational risk transfermechanisms, and continuously improving the ability to build peace andharmony campus.In2008, the school liability insurance of primary and secondary schools which is dominated by the government was established in Gansuprovince, implemented six years ago, its operation mechanism? Effecthow? Whether do the schools, families and the insurance companytripartite win-win situation? Therefore, based on the field investigation ofthe education in Gansu industry management departments, protectsinspect bureau and the relevant insurance institutions and schools, thepaper combs the details on the implementation of the school liabilityinsurance in Gansu province. Overall look, Under the government leadingand pushing, adhere to the market operation mode, the school liabilityinsurance in Gansu province within the scope of primary and secondaryschools to implement quickly. In recent years, the school liabilityinsurance business development is relatively stable, in the protection ofstudents’ legitimate rights and interests, and maintaining the schoolsecurity and stability and normal education teaching order, theconstruction of a harmonious campus and harmonious society played anirreplaceable role, risk safeguard of the campus and the socialmanagement function becomes increasingly appearing.Liability insurance in our country is still in the initial stage, theschool liability insurance is just beginning, difficulties and problemsinevitably exists in the process of implementing, such as the narrowcoverage, low social awareness, premium financing channels for a single,this is relatively backward in economic development, education funds tension performance of Gansu province is outstanding. In combinationwith the practical situation of Gansu province, and the experience aboutthe school liability insurance development at home and abroad forreference, this paper argues that should further be defined the nature andthe social value of the school liability insurance, in line with theprinciples of government leading, market operation, we should need tocontinue to strengthen the promotion of government, expand its coverage.At the same time, further arouse the enthusiasm of the insurance companyinvolved in the school liability insurance, especially on productinnovation and improve the level of insurance services. In addition,further strengthen the risk management consciousness of schools andinstitutions of all kinds of education teaching to improve the effectivedemand of the school liability insurance. Only in this way, we can createa good environment for development to accelerate the development of theschool liability insurance in Gansu province.