Study Of Environmental Liability Insurance System

With the quick development of the economy, the environmental pollution is becoming more and more serious. The environmental pollution has been so serious a problem that each country is trying to seek a way to solve. As well as other countries, China has and will be facing more frequent environmental pollution events. Although our country has taken a lot of actions to protect the environment, but it is far from enough. Environmental liability insurance is proved to be one of the most effective ways of resolving relative disputes of environmental tort damage. There's almost no research on the systems of environmental liability insurance yet and an in-depth study on the systems is necessary. This thesis includes six chapters totally:The first chapter is the brief of this thesis. It elaborates the aim and meaning of this thesis, the condition of the development of environmental liability insurance home and abroad, the main question to solve in this thesis as well as innovation.The second chapter is about the current condition of environmental pollution and environmental liability insurance. Firstly it describes the definition and characteristics of environmental pollution, then we conclude we need some ways of resolving relative disputes of environmental tort damage. The environmental liability insurance is the best one of them.The third chapter discusses the necessity to establish the environmental liability insurance system in our country from different angles: the condition of environmental pollution, enterprises, victims, insurance company and the society.The fourth chapter describes the development of the foreign environmental liability insurance system. By comparing them, especially the environmental liability insurance mode of India, we get some enlightenment to improve our environmental liability insurance system.The fifth chapter describes the current situation of environmental liability insurance system in our country "deficiency of both demand and supply". The reasons are: externality, imperfection of laws and legal systems. And the main reason is lack of system supply.The sixth chapter puts forward some new propositions to improve the system of environmental liability insurance in our country including: increasing system supply, binging forward single environmental liability insurance, proper insurance mode, the systems of coverage and experience-based rate makings.