摘要
诉讼财产保全责任保险是一种新型的责任保险,其承保风险也较一般责任保险有所不同,在心理风险、道德风险、逆选择风险、法律风险等方面表现出特殊性。保险公司应以立法机关完善法律法规为前提,以监管部门引导诉讼财产保全保险体系建设为方向,采取发展业务渠道、建设核保团队、积极参与另诉维权等具体措施,实现对诉讼财产保全责任保险的承保风险的有效管控。
Litigation property preservation liability insurance is a new type of liability insurance, which is different from general liability insurances in terms of undertaking risk, showing certain particularity in psychological risk, moral risk, adverse selection risk, legal risk, etc. The authors suggest that the legislature should optimize relevant laws and regulations, and the supervision department should construct and optimize the litigation property preservation insurance system, based on which insurance companies should implement some specific countermeasures such as expanding business channels, building an insurance examination team, and actively participating in other lawsuits related to the wrong judgment of the application for preservation of litigation, so as to manage and control the risks in undertaking litigation property preservation liability insurance effectively.
作者
曾怡
李玉水
ZENG Yi;LI Yu-shui(College of Finance,Fujian Jiangxia University,Fuzhou 350001,China)
基金
福建省社会科学规划项目一般项目(FJ2018B091)。
关键词
诉讼财产保全
责任保险
承保风险
litigation property preservation
liability insurance
underwriting risk
