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产品质量保证保险对于切实缓解我国严峻的产品质量安全问题具有重要的现实意义,但企业普遍缺乏充分利用保险机制管控产品质量风险的意识和动力、保险公司缺乏完善的业务风险控制体系以及相关法制建设的严重滞后等诸多因素严重困扰我国产品质量保证保险制度的发展。所以,全面推行中国产品质量保证保险制度,需要积极培育企业的保险意识和参保动力,完善保险公司的风险控制体系,并切实加强相关法制建设。
Product quality assurance insurance is of great practical significance for effectively alleviating the serious problem of product quality and safety in our country. However, enterprises generally lack the consciousness and motivation to fully utilize the insurance mechanism to control the product quality risk. The insurance companies lack a complete business risk control system and relevant legal system Serious lag and many other factors seriously haunted the development of China’s product quality assurance insurance system. Therefore, the full implementation of China’s product quality assurance insurance system, we need to actively cultivate the awareness of insurance companies and insurance motivation to improve the risk control system of insurance companies and effectively strengthen the relevant legal system.