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当前,我国责任保险市场供求矛盾突出,必须通过促进责任保险发展的保险产业政策,努力增加责任险有效供给。非寿险业务结构失衡凸显责任保险甫场供求矛盾随着我国经济社会的快速发展,责任保险供求矛盾日益突出,责任险有效供给不足成为制约责任保险发展的瓶颈。目前,我国正处于人均GDP1000-3000美元的事故高发期。据国际劳工组织统计,我国工矿企业10万从业人员事故死亡率约为发达国家的2倍;2003年我国煤炭生产百万吨死亡率约为印度的10倍、美国的100倍。道路交通事故死亡率为美国的8.6倍、日本的18倍,2004年交通事故死亡人数达到10万人,占意外事故死亡人数的80%以上。日趋严重的安全风险隐患和高发的事故率,不仅造成巨大的直接经济损失,还影响到社会的和谐稳定。大力发展责任保险是我国经济社会发展的必然。
At present, the contradiction between supply and demand in the liability insurance market in our country is prominent. We must make efforts to increase the effective supply of liability insurance through the insurance industry policies that promote the development of liability insurance. Unbalanced Structure of Non-life Insurance Stresses the Contradiction between Supply and Demand of Liability Insurance With the rapid economic and social development in our country, the contradiction between supply and demand of liability insurance has become increasingly prominent. The effective supply of liability insurance has become the bottleneck restricting the development of liability insurance. At present, our country is in the high incidence of accidents with a GDP per capita of 1000-3000 U.S. dollars. According to the statistics of the International Labor Organization, the accidental death toll of 100,000 industrial and mining enterprises in our country is about twice that of developed countries. In 2003, the death toll of coal per million tons of coal in our country was about 10 times that of India and 100 times that of the United States. The fatality rate of road traffic accidents is 8.6 times that of the United States and 18 times that of Japan. The number of traffic fatalities in 2004 reached 100,000, accounting for more than 80% of the accidental fatalities. Increasing risks of security risks and high incidence of accidents not only cause huge direct economic losses, but also affect the social harmony and stability. Developing liability insurance vigorously is an inevitable result of China’s economic and social development.