强化火灾责任保险提升保险的社会管理职能——湖北襄阳城市花园酒店火灾事故的保险思考

【摘要】 随着我国经济的发展和城市化进程的加快,各类公共聚集场所的数量急剧增长,由此导致我国火灾形势日趋严峻,重特大火灾事故特别是群死群伤的恶性火灾事故屡屡发生。并且火灾事故造成的赔偿费用往往较高,如果无法得到妥善解决的话,常常会引发群体性事件,影响社会治安的稳定。火灾责任保险作为一种市场化的风险转移机制,可以很好的解决火灾事故的赔偿问题,有效化解事故双方的争端,切实保护人民群众的合法权益,促进社会的和谐发展。因此本文首先对火灾责任保险参与社会管理的作用进行了分析,进而分析了目前我国火灾责任保险存在的问题,并针对这些问题试探性的提出了一些解决措施。更多还原

【Abstract】 Along with the fast development of the economy and urbanization process,the number of various public places increase sharply,which lead to increasingly severe fire accidents. Serious fire accidents,especially malignant fire accidents that caused groups of injuries of deaths occur repeatedly. And the damages caused by fire accidents are often quite high. If not properly resolved,they may bring about mass accidents and even influence the stability of social order. As a market-oriented risk transfer mechanism,the fire liability insurance can effectively resolve the problem of fire accident compensation and disputes between both parties of accidents, protect the legal rights of the people and promote the harmonious development of the society. This paper first analyses the role that fire liability insurance plays in social management,then the existing problems in fire liability are discussed and some suggestions are made to resolve the problems.更多还原