Study On The Development Status And Countermeasures Of The Third-Party Logistics Liability Insurance In China

At present, as the wave of the Internet, the third party logistics in our country is in a rapid development period, Of course it will face more and more risk in the process of its development. To pass on the risk of third-party logistics companies facing, the most effective tool, logistics liability insurance arises at the historic moment. However, due to the development time of the third logistics in our country is so short and more vicious competition led to the current operation of the third party logistics enterprise mostly insufficient. In order to ensure that the risks in its economic capital affording range, Insurance companies are not willing to expanding the scope of the contract in the development of new products. Because a lot of the third party logistics companies are too conservative to cooperate with the insurance company to provide the basis risk related data, and the insurance company’s own products developmenting time is not long, they have no data related to accumulation of risk, can only lead to insurance companies more and more conservative in product pricing, the insurance rates are significantly higher. In addition the government attaches great importance to the degree of the third party logistics market is relatively insufficient, the lack of relevant laws and regulations on third-party logistics further lead to the chaos of the third party logistics company management, insurance company will not cover the risk.The logistics liability insurance should have a bright future and get rapid development in our country, but for the above reasons, the development in our country was the plight of stagnation, we can not help but sigh. How to improve the current situation of the development of the logistics liability insurance has gradually become a logistics and insurance sectors on topics of mutual interest.The text first to compare the development of logistics liability insurance in our country and foreign countries and lists the current common problems in the process of developing the logistics liability insurance in our country; Then, specifically analyse the two key questions in the product, the coverage and pricing method:(1)Facing risks of the third party logistics enterprise, analyse all kinds of risks one by one, then get the reasonable coverage of the present logistics liability insurance, (2) the first step by hierarchical analysis and fuzzy comprehensive evaluation method to determine the initial rate, the second step using markov method to determine the safety rate, the third step uses the improved NCD model to determine and adjust the final rate level, let the logistics liability insurance premium rate making more scientific and reasonable product; Finally based on the external environment for the development of logistics liability insurance in our country, puts forward some countermeasures and Suggestions.Of course, limited to the author’s personal ability and some data is acquired, many problems the author just put forward here, unable to in-depth study. Therefore, this article is only a preliminary exploration, hoping this text can provide some useful reference to improve the development of logistics liability insurance in China.