论保险产业对侵权立法的影响——以行业协会的利益代表人角色为切入点  

The Impact of Insurance Industry on the Tort Legislation——From the Perspective of Trade Association's Representative Function

作　　者：杨帆[1] 

机构地区：[1]华中科技大学法学院,湖北武汉430074

出　　处：《华中科技大学学报（社会科学版）》2013年第1期66-71,98,共7页Journal of Huazhong University of Science and Technology(Social Science Edition)

摘　　要：在风险社会赔偿渠道多元化的背景下,侵权损害赔偿责任制度与商业保险制度在分散风险、分摊损失的过程中相互作用并产生影响。商业保险对侵权法体系的影响之一就是保险业以强大的经济实力为基础,通过保险行业协会这一利益代表组织进行游说活动,与政府或立法部门博弈,提出行业诉求,争取对行业有利的侵权损害赔偿领域的法律和政策,保障本行业的利益。美国侵权法改革的盛行和英国《损害赔偿法》的出台是保险行业协会发挥利益代表功能的两个典型例证。不过,行业协会本质上属于利益集团,其利益代表功能的实现需要以行业本身的经济实力为基础,以行业协会在社会发展、经济体系中的正确定位为前提,这也是我国保险产业以及保险行业协会实现进一步发展的迫切需求。Tort liability system and commercial insurance are both significant instruments to transfer and distribute the damages in the risk society and mutually influence each other in the practice.One of the influences is that the insurance industry relies on the insurance trade association to lobby the government and struggle for the legislation and policies favorable to the industry.The prevalence of the tort law reforms in the U.S.and the issue of Damage Act in Britain are two typical examples that insurance trade association played a role in interest representative.However,the trade association is essentially the interest group and the realization of its representative function depends on the economic power of the industry,and the proper positioning of the insurance trade association in the context of the whole society.It is also an urgent task for the development of China＇s insurance trade association.

关 键 词：侵权立法 保险产业 行业协会 利益代表功能 

分 类 号：D923.99[政治法律—民商法学]