侵权立法对责任保险市场的影响机制  

The influencing mechanism of tort legislation on the liability insurance market

作　　者：杨鹏艳[1] 

机构地区：[1]北京大学经济学院,北京100871

出　　处：《保险研究》2011年第4期110-115,共6页Insurance Studies

摘　　要：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 existence and development of liability insurance is based on a sound legal system,particularly on tort law. When improving Tort Law, it not only helps citizens and legal person accountable, but also increases public awareness of rights and self-protection. So this will stimulate demand and supply of the liability insurance market. The article analyzed the impact of tort legislation on the liability insurance market by CHH model in terms of tort li- ability＇s expansion and the liability insurance crisis. Further, it offered some policy recommendations on the basis of influencing mechanism of tort legislation on the development of liability insurance market in America.

关 键 词：侵权立法 责任保险市场 影响机制 保险周期 

分 类 号：F840.32[经济管理—保险]