金融学院知识库

       随着互联网的高速发展，网络餐饮业紧跟步伐，如今，越来越多的人开始通过外卖平台来订餐，外卖食品与公众生活日益密切。与此同时，外卖的食品安全问题逐渐凸显，使消费者生命财产受到损害。外卖食品安全责任保险作为外卖餐饮市场上预防食品安全风险的一种手段，逐渐被公众关注。2015年1月，《关于食品安全责任保险试点工作的指导意见》出台，文件对食品安全责任保险试点工作进行指导，外卖行业也被纳入到首批试点行业中，在该保险中，商家的食品安全风险被转移到保险公司，受害者可以从保险公司得到经济补偿。外卖食品安全责任保险的良好发展，对于解决外卖市场上食品安全问题、保障外卖行业健康发展、维护社会稳定均具有重要意义。
       本文运用案例分析法、对比分析法、文献研究法，根据目前外卖食品安全责任保险的发展现状，分析出该险种发展所面临的挑战和机遇。然后选取外卖食品安全责任保险开展过程中的典型案例：“饿了么”平台与中国太保合推的外卖食品安全责任保险产品“食无忧”，总结出有利于应对该险种发展所面临挑战的做法以及不足之处。随后对国外开展食品安全责任保险的经验进行总结，分析出对我国外卖食品安全责任保险发展的启示。
       根据前文的分析，提出针对性发展建议：确定强制投保模式、优化理赔服务、完善保险条款、加强核保承保工作、加强产品创新、健全食品安全监管体系、完善食品安全信息交流机制。希望可以为保险公司和外卖平台更好地开展外卖食品安全责任保险提供参考、促进外卖食品安全问题得到良好解决，从而保障外卖行业健康发展和消费者合法权益，维护社会稳定。

       With the rapid development of the Internet, the online catering industry keeps up with the pace. Now, more and more people begin to order meals through the takeout platform, and takeout food is increasingly close to public life. At the same time, the food safety problem of takeout has gradually become prominent, causing damage to consumers' lives and property. As a means of preventing food safety risks in the takeout catering market, takeout food safety liability insurance has gradually attracted public attention. In January 2015, the guidance on the pilot work of food safety liability insurance was issued. The document guides the pilot work of food safety liability insurance. The takeout industry was also included in the first batch of pilot industries. In this insurance, the food safety risk of merchants was transferred to the insurance company, and the victims can get economic compensation from the insurance company. The good development of takeout food safety liability insurance is of great significance to solve the food safety problems in the takeout market, ensure the healthy development of the takeout industry and maintain social stability.

       This paper using the methods of case analysis, comparative analysis and literature research. Analyzes the challenges and opportunities faced by the development of takeout food safety liability insurance . Then select a typical case in the development of takeout food safety liability insurance: "ELEME" platform and China Pacific Insurance jointly promote the takeout food safety liability insurance product "Food worry-free", and summarize the practices and deficiencies conducive to dealing with the challenges faced by the development of this insurance. Then it summarizes the experience of foreign countries in carrying out food safety liability insurance, and analyzes the enlightenment to the development of takeout food safety liability insurance in China.

       According to the above analysis, targeted development suggestions are put forward: determine the compulsory insurance mode, optimize the claim settlement service, improve the insurance terms, strengthen the underwriting work, strengthen product innovation,improve the food safety supervision system, improve the food safety information exchange mechanism. It is hoped that it can provide reference for insurance companies and takeout platforms to better carry out takeout food safety liability insurance, and promote the good solution of takeout food safety problems, so as to ensure the healthy development of takeout industry and the legitimate rights and interests of consumers and maintain social stability.