Research On The Development Of China's Food Safety Liability Insurance Based On Game Analysis

With the continuous development of China's market economy,various types of food enterprises continue to emerge to meet different food needs of consumers.However,with the continuous development of food economy,food safety issues are also concerned.As the 19 th Communist Party of China National Congress said,we should let the market play a decisive role in resource allocation.Food safety is not only a problem of food management enterprises and food regulatory agencies,the market should play a greater value and role.In this context,food safety liability insurance came into being.This kind of insurance can protect the personal and economic losses of consumers and food business enterprises,so as to maintain a good food market order.Food safety liability insurance refers to the economic compensation liability determined by the food enterprise according to the law when the food business enterprise causes personal injury or property loss to the consumer due to its negligence or negligence leading to consumer poisoning or other food borne diseases,and the insurance company shall compensate for the loss within the scope of the insurance amount.The development of food safety liability insurance is not only conducive to protecting the legitimate health rights and interests of consumers and the compensation losses of food business enterprises,but also makes the insurance market system in China continuously improve,increasing the operating profits of insurance companies,reducing the financial pressure that the government must intervene because of the improper treatmentof enterprise compensation liability.It can be seen that the development of food safety liability insurance is of great significance,but the current situation of insurance in China is not optimistic.Therefore,the main purpose of this paper is to study how to improve the current situation of food safety liability insurance in China.The content of this paper is to study from the perspective of economics,using game analysis tools as the carrier.Through the analysis of the change of the policy choice and the related influence results of the stakeholders in the food safety liability insurance under the specific conditions,we can get the targeted improvement opinions.But at present,there is a lack of research in this field in China,which also provides a certain research value for this paper.The main content of this paper is to study the policy choice of food safety liability insurance under various conditions.First of all,it combs the current research situation at home and abroad,then summarizes the typical experience in the development of food safety liability insurance at home and abroad,then uses the game model to analyze and study the main parties of food safety liability insurance,discusses the changes in the strategy selection of the stakeholders in the micro perspective,and finally comes to the targeted suggestions for the development of the insurance.The results of the study have a certain practical value for the development of food safety liability insurance.