我国南海涉外侵权中渔船保险制度探讨

摘要

针对南海渔船遭遇涉外侵权导致渔民遭受经济损失的情况，可以通过建立南海涉外侵权渔船保险制度来解决该问题。渔船保险制度不仅能保障渔民权利，促进南海渔业资源开发，还能起到宣示主权的作用。其体现的公益性和政策导向表明其政策性保险的特征。渔船保险制度的建立离不开政府的主导支持，商业保险公司的经营，渔船互保协会的参与以及再保险公司对风险的分散。%The fishermen’s economic losses caused by foreign infringement of fishing boats in South China Sea can be avoided by establishing insurance system of fishing boat. The system can not only protect the rights of fishermen so as to promote the development of fishery resources in the South China Sea, but also play the role of declaring sovereignty. Its characteristic of policy insurance is reflected by the public welfare and policy orientation embodied in it. Its establishment needs leading support from government, management of commercial insurance company, participation of Fishing Mutual Assurance Association, and risk spreading of reinsurance company.