论婴幼儿托育机构责任险制度的构建  

Constructing the Liability Insurance System of Infant Nurseries

作　　者：王红珠[1] WANG Hong-zhu(Zhejiang Business Technology Institute,Ningbo 315012,China)

机构地区：[1]浙江工商职业技术学院,浙江宁波315012

出　　处：《浙江工商职业技术学院学报》2021年第1期12-16,共5页Journal of Zhejiang Business Technology Institute

基　　金：2020年宁波市教育科学规划专项(终身教育)重点规划课题“实现宁波社区托育服务全覆盖对策研究”(编号2020YGHCZ-ZD10)阶段性研究成果。

摘　　要：机构责任保险能有效分担风险,为机构减轻负担。目前对于3岁以下婴幼儿机构责任保险,由于参保人管理缺乏规范,婴幼儿托育风险难以识别,保险公司设立婴幼儿按托育机构责任保险意愿不足,暂未有专门针对托育机构设立的责任保险。为了保证婴幼儿托育服务行业的健康快速发展,必须在制度设计层面设法降低风险。Institutional liability insurance can effectively share the risk and reduce the burden for institutions.At present,for the institutional liability insurance for infants under 3 years old,due to the lack of standardized management of the insured,the difficulty of identifying the risks of infant nurseries,the insurance companies haven’t set up the liability insurance for infants consciously.In order to ensure the healthy and rapid development of infant industry,we must try to reduce the risk in the system design level.

关 键 词：托育机构责任险 空白 必要性 对策 

分 类 号：F842.6[经济管理—保险]