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Guiding Opinions of the Food Safety Office of the State Council, the Food and Drug Administration of China and the China Insurance Regulatory Commission on Launching the Pilot Program of Food Safety Liability Insurance [Effective]
国务院食品安全办、食品药品监管总局、保监会关于开展食品安全责任保险试点工作的指导意见 [现行有效]
【法宝引证码】

Guiding Opinions of the Food Safety Office of the State Council, the Food and Drug Administration of China and the China Insurance Regulatory Commission on Launching the Pilot Program of Food Safety Liability Insurance 

国务院食品安全办、食品药品监管总局、保监会关于开展食品安全责任保险试点工作的指导意见

(Order No. 1 [2015] of the Food Safety Office of the State Council) (食安办〔2015〕1号)

The food safety offices and food and drug administrations of all provinces, autonomous regions, and municipalities directly under the Central Government; and all local offices of the China Insurance Regulatory Commission (“CIRC”): 各省、自治区、直辖市食品安全办、食品药品监督管理局、保险监管局:
In accordance with the requirements of the spirit of the Decision of the State Council on Strengthening Food Safety (No. 20 [2012], State Council), the Several Opinions of the State Council on Accelerating the Development of the Modern Insurance Service Industry (No. 29 [2014], State Council) and the Notice of the General Office of the State Council on Issuing the Major Work Arrangements for Food Safety in 2014 (No. 20 [2014], General Office of the State Council), for purposes of encouraging local authorities to launch the pilot program of food safety liability insurance, promoting the establishment of a food safety liability insurance system, maximizing the role of the market mechanism, and improving the social governance system for food safety, our opinions are hereby presented as follows: 按照《国务院关于加强食品安全工作的决定》(国发〔2012〕20号)、《国务院关于加快发展现代保险服务业的若干意见》(国发〔2014〕29号)以及《国务院办公厅关于印发2014年食品安全重点工作安排的通知》(国办发〔2014〕20号)精神要求,为鼓励地方开展食品安全责任保险试点工作,推动建立食品安全责任保险制度,充分发挥市场机制作用,完善食品安全社会治理体系,现提出以下意见:
I. Fully understanding the significance of launching the pilot program of food safety liability insurance   一、充分认识开展食品安全责任保险试点工作的重要意义
For the purpose of these Opinions, “food safety liability insurance” means the insurance with the economic compensation liability as the subject matter of insurance, which should be legally assumed by the insured when the personal injury or death or property loss of third parties is caused by defects existing in the food produced or traded by the insured. Establishing a food safety liability insurance system is an important part of accelerating the development of the modern insurance service industry and an important embodiment of the decisions and deployments of the CPC Central Committee and the State Council on deepening reform in an all-round manner and strengthening the food safety work, and is of importance to protecting and improving the people's livelihood. Launching the pilot program of food safety liability insurance will be conducive to improving the social governance system, bringing into play the functions and role of liability insurance in resolving contradictions and disputes, and resolving civil liability disputes by economic leverage and diversified liability insurance products; will be conducive to bringing into play the insurance risk management and economic compensation functions, improving the prevention and rescue level of food safety accidents, and protecting the lawful rights and interests of consumers; will help food producers and traders transfer risks, improve product quality, and promote the quality and efficiency enhancement and upgrading of economy; and will be conducive to accelerating the transformation of government functions, optimizing the food safety supervision method, resolving food safety issues in a coordinated manner, and promoting the whole society to participate in the food safety work. 本意见所称食品安全责任保险,是以被保险人对因其生产经营的食品存在缺陷造成第三者人身伤亡和财产损失时依法应负的经济赔偿责任为保险标的的保险。建立食品安全责任保险制度,是加快发展现代保险服务业的重要内容,是落实党中央、国务院关于全面深化改革、加强食品安全工作决策部署的重要体现,对保障和改善民生具有重要意义。开展食品安全责任保险试点,有利于完善社会治理体系,发挥保险化解矛盾纠纷的作用,用经济杠杆和多样化产品化解食品安全事件民事责任纠纷;有利于发挥保险的风险管理和经济补偿功能,提高食品安全事故预防和救助水平,保护消费者的合法权益;有利于食品生产经营企业转移风险,提高产品质量,促进经济提质增效升级;有利于加快政府职能转变,优化食品安全监管方式,协同解决食品安全问题,推进食品安全社会共治。
All regions shall fully understand the great significance and positive role of food safety liability insurance, launch the pilot program of food safety liability insurance in light of the actual circumstances, fully maximize the risk control and social management functions of insurance, explore and establish an incentive and restraint mechanism and a risk control mechanism in which governments, insurance institutions, enterprises, and consumers participate, interact and achieve win-win goals, and gather experience for promoting the food safety liability insurance system in a comprehensive manner. 各地要充分认识食品安全责任保险的重要意义和积极作用,结合实际开展食品安全责任保险试点,充分发挥保险的风险控制和社会管理功能,探索建立政府、保险机构、企业、消费者多方参与、互动共赢的激励约束机制和风险防控机制,为全面推行食品安全责任保险制度积累经验。
II. Specifying the basic principles of launching the pilot program of food safety liability insurance   二、明确开展食品安全责任保险试点工作的基本原则
(1) Adhering to government guidance and policy support. With the full understanding that food safety liability insurance has a nature of public welfare nature and is relating to the national economy and the people's livelihood, but is still in the development stage on a weak foundation, a low cost policy environment shall be created, and the government's guiding role shall be played in a more effective manner. According to the actual local circumstances, necessary policy support shall be provided, efforts shall be made to improve the supporting measures and attract participation in insurance, so as to ensure the smooth implementation of the pilot program. (一)坚持政府引导、政策支持。充分认识食品安全责任保险具有社会公益性,关系国计民生,但目前尚处于基础薄弱的发展阶段的特点,大力创造低成本的政策环境,更好地发挥政府的引导作用。根据地方实际,给予必要的政策扶持,着力完善配套措施,增加投保吸引力,确保试点工作顺利开展。
(2) Adhering to market operation and fair competition. The decisive role of the market in resources allocation shall be brought into play, advanced business operation and management concepts and technologies shall be introduced, and the capability of innovating on insurance products, services, management and technologies shall be enhanced, so as to promote diversified competition among and the provision of personalized services by market players. The development mode shall be transformed, standardized management shall be adhered to, service quality shall be improved, and low efficiency competition of the same nature shall be reduced, so as to maintain the lawful rights and interests of insurance consumers.
......
 (二)坚持市场运作、公平竞争。充分发挥市场在资源配置中的决定性作用,引进先进经营管理理念和技术手段,增强食品安全责任保险产品、服务、管理和技术创新能力,促进市场主体差异化竞争和个性化服务。转变发展方式,坚持规范经营,提高服务质量,减少同质低效竞争,维护保险消费者合法权益。
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