On China's Environmental Liability Insurance System

The development of economic always follows with the destruction of environment and the consumption of resources. At present, China's environmental damages compensation system does not quite suitable, which in some polluters produce environmental pollution, due to their inability to bear the huge amount of compensation to the operational difficulties or even bankruptcy situation. For the victims, the environment against the indirect nature of the potential, cumulative, uncertainties, and other characteristics, so that as a result of the victims have not been given due compensation arising from the plant base of the conflict, and even the government had a grievance, this has seriously affected the social stability. In response, many countries have adopted the system of environmental liability insurance, insurance through the channels of social damages. There is no denying that environmental liability insurance in environmental risk assessment, monitoring environmental risk, such as pollution prevention plays an important role.Environmental liability insurance is also called the"green insurance."It is a newly formed type of liability insurance. ELI is established to mitigate, amortize, and compensate the harms caused by the insured to the third party. 1t is established to raise the environmental awareness of the insured and to deal with natural disasters and unexpected accidents. It is established to protect the third party and the public interest. Since the 1970s, foreign environmental liability insurance system is in development, environmental responsibility with the theory of environmental citizens the right to establish the theory was great, this has also brought prosperity and environmental liability insurance, now at an advanced stage. In China, environmental liability insurance is not an maturity study of theory, in practice, only part of the city were to try, our environmental liability insurance system in theory to be further explored.This article is divided into four parts: The first chapter, it is an overview of environmental liability insurance, pointed out that environmental liability insurance are insured as a result of pollution and environmental damage should bear the responsibility for governance and the subject of liability insurance in the form of, for pollution enterprises set up a network of public safety, but also to pollution victims in a timely manner.The second Chapter is talk about the developed countries and regions, environmental liability insurance system and its inspiration. Section I of this chapter introduces the environmental liability insurance background and the development of the situation. Section II of the chapter on the current international environment, the environmental liability insurance. Section III area for clues to the environmental liability insurance system in the developed countries and regions in the development and implementation of an analysis, environmental liability insurance, introduced a system of several main mode of the fourth quarter to discuss national and regional environmental liability insurance system The combination of China's national conditions and characteristics, with a view on China's environmental liability insurance system has been inspiration.The third Chapter is mainly about the establishment and improvement of our environmental liability insurance system concept. Section I demonstrated in the establishment of China's environmental liability insurance system, the necessity and feasibility. Section II describes China's environmental liability insurance system, the status quo, an analysis of China's environmental pollution liability insurance problems. Section III, the author described in detail for the construction of China's environmental liability insurance system to include a choice of models, insurance agencies, insurance design, limitation of liability, insurance, to guard against the risk of moral hazard, joint and co-insurance laws and regulations.