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随着社会经济的发展,各类公共场所的人员及财产密集度日益增加,群死群伤的恶性火灾事故时有发生。由于民事责任界定模糊,损害赔偿救助机制不完善,政府财政充当了最后的责任人。充分发挥火灾公众责任保险在防范风险、稳定社会方面的积极作用,引导企业投保火灾公众责任险,并将其纳入地方政府的公共安全应急赔偿救助体系。这不仅可以有效协调各方利益关系,完善社会化经济补偿机制,还能提高处理突发火灾事故的效率,这也是政府转型时期利用市场经济手段,提高公共服务效能的有益探索。
With the development of society and economy, the personnel and property intensity of various public places are increasing day by day, and the vicious fire accidents of mass death and mass casualty occur frequently. Due to the vague definition of civil liability and the imperfect rescue and relief mechanism, the government finance took the final responsibility. We will give full play to the active role of public liability insurance in fire prevention in preventing risks and stabilizing the society, guide enterprises to insure fire public liability insurance and incorporate them into public relief emergency relief and rescue system of local governments. This can not only effectively coordinate the interests of all parties concerned, improve the socialized economic compensation mechanism, but also improve the efficiency of dealing with unexpected fire accidents. This is also a useful exploration of using market economy means and improving the effectiveness of public services during the transition period of the government.