CAJ | 학술논문

物流业已成为近几年我国经济领域中最活跃、最热门的新兴行业之一，第三方物流形态正引起人们的重视，其发展空间很大。但我国现代物流运行却涉及制度和法律风险、合同风险以及责任范围加大的风险。在现代物流中传统保险不能解决第三方物流公司面临的代住追偿等问题，而2004年推出的物流保险也存在物流保险责任范围小、计收保费依据不科学、不能满足快速发展的市场需求等缺陷。因此，我国急需发展现代物流综合保险，而根据物流市场的需要，进一步开发适销对路的险种是其中的关键。第三方物流企业也应根据需要选择物流综合保险策略，从而降低风险。
물류업이성위근궤년아국경제영역중최활약、최열문적신흥행업지일，제삼방물류형태정인기인문적중시，기발전공간흔대。단아국현대물류운행각섭급제도화법률풍험、합동풍험이급책임범위가대적풍험。재현대물류중전통보험불능해결제삼방물류공사면림적대주추상등문제，이2004년추출적물류보험야존재물류보험책임범위소、계수보비의거불과학、불능만족쾌속발전적시장수구등결함。인차，아국급수발전현대물류종합보험，이근거물류시장적수요，진일보개발괄소대로적험충시기중적관건。제삼방물류기업야응근거수요선택물류종합보험책략，종이강저풍험。
Logistics has been one of the most prosperous industries in China＇s economy and the third party logistics has attracted more attention and displays a sound prospect of development. Meanwhile, the operation of China＇s modern logistics tends to face the rise of risks involved in regulation, law, contract and scope of responsibility. The traditional insurance can not solve the problem of subrogation recovery conducted by the third party logistics and the logistics insurance launched in 2004 has a narrow scope of responsibility and the unscientific basis on which premium is charged and fails to meet the demands of a rapidly developing market. Therefore, it is urgent to launch the logistics synthesis insurance and the key point is to launch the proper insurance in need. The third party logistics enterprises should select logistics synthesis insurance so as to reduce risks.