社会保险制度中社会风险的产生、内涵及应对  

The Origin,Connotation and Countermeasures of Social Risk in Social Insurance System

作　　者：王健[1] WANG Jian(School of Law,Wuhan University,Wuhan 430072,China)

机构地区：[1]武汉大学法学院,武汉430072

出　　处：《重庆工商大学学报（社会科学版）》2020年第5期99-105,共7页Journal of Chongqing Technology and Business University：Social Science Edition

摘　　要：社会风险是社会保险制度存在的前提,没有社会风险,就不会有社会保险。从风险、风险社会及社会风险这些相关概念出发,全面阐述社会保险制度中社会风险的产生及其发展路径,发现社会保险制度上所应对的社会风险是一种中度危险的风险事故,有着自身特定的制度内涵。在此基础上,从作为技术途径的保险原则与社会保险权之权利规则的两个视角分析了社会保险制度对社会风险的应对原理、机制与优势。Social risk is the premise of the existence of the social insurance system.Without social risks,there will be no social insurance.Starting from the related concepts of risk,risk society and social risk,this paper comprehensively expounds the social risk generation and its development path in the social insurance system,and finds that the social risk dealt with in the social insurance system is a moderately dangerous risk accident with its own specific institutional connotation.On this basis,the paper analyzes the principles,mechanisms and advantages of the social insurance system’s response to social risks from two perspectives:the insurance principle as a technical approach and the right to social security.

关 键 词：社会风险 保险原则 社会保险权 风险分摊 

分 类 号：F84[经济管理—保险]