摘要
Abstract
Food safety liability insurance represents an integral component of the national food safety system,playing a vital role in food safety governance.However,its effective implementation confronts a fourfold challenge:1)food enterprises exhibit reluctance to insure,driven by perceived cost-benefit imbalance and risk perception bias;2)regulatory authorities face constraints arising from the tension between ensuring policy compliance and achieving enforcement efficiency;3)insurance companies struggle with inadequate product supply and risk pricing challenges;4)and consumers face difficulties in claiming rights.To address these issues,this study proposes a multi-dimensional innovation system integrating"precision governance-institutional optimization-collaborative governance".At the enterprise level,a multi-dimensional risk assessment system should be established,alongside implementing differentiated insurance strategies and dynamic reputation management.At the regulatory level,the legal framework and coordinated regulatory mechanisms should be improved,and a fiscal-market collaborative premium-sharing mechanism should be established.Insurance companies need to promote product and service innovation,and optimize risk pricing and data-sharing mechanisms.At the level of consumer rights protection,the"insurance+mediation"mechanism and information sharing platforms should be innovated.Through the organic linkage of precision governance,institutional optimization,and collaborative governance,a risk co-governance pattern can be formed,thus promoting the transformation of food safety governance from a post-incident remediation model to a risk prevention and control model.关键词
食品安全责任保险/风险管理/社会共治/制度创新Key words
food safety liability insurance/risk management/collaborative governance/institutional innovation分类
轻工业
