Because of the risk of objective-substitute which results in applying the commercialization operation tools,the non-profit organization s public responsibility through optimizing the interior governance,perfecting government regulations and strengthening multiple social supervision system.

The efficient collocation of financial assets relies on the financial intermediation functioning with both public responsibility and commercial profit.

The main methods include the use of literature, questionnaire, survey method, mathematical statistics and other methods to analyze and make an conclusion, as follows: At present, the majority of colleges and universities’stadiums and gymnasiums in Beijing do not buy the public liability insurance.

Probe into the correlation of the public liability insurance of fires;

Thinking about the Public Liability Insurance of Fires;

As it is a problem that the owner compensated, and the government succors cant fully satisfy the demands, so that the public liability insurance has become one of the important means that people disperse the risk.