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责任保险赖以存在及发展的基础在于完善的法律体系,尤其是侵权责任法。一国侵权责任法的不断完善,不仅有利于公民和法人承担责任,同时也会增加公众的维权和自我保护意识,从而刺激责任保险市场的需求与供给。本文采用CHH模型,通过侵权责任扩张与责任保险危机问题,分析了侵权立法对责任保险市场的影响机制,并基于美国责任保险市场发展模式下的影响机制对中国责任保险市场的发展提出政策建议。
The basis for the existence and development of liability insurance lies in the perfect legal system, especially the tort liability law. The constant improvement of tort law in a country not only helps citizens and legal persons to take responsibility, but also increases the public’s awareness of safeguarding rights and self-protection and stimulating the demand and supply of the liability insurance market. This paper uses the CHH model to analyze the impact mechanism of tort legislation on liability insurance market through the expansion of tort liability and crisis of liability insurance. Based on the impact mechanism under the development of liability insurance market in the United States, policy recommendations are put forward for the development of China liability insurance market.