Development Of Environmental Liability Insurance In China

Insurance for the liability of environmental pollution is an enterprise thirdparties for damages which caused by the accident has to undertake for the subject ofinsurance. International experience shows that environmental liability insurancesystem is an effective means to manage through economic means to solveenvironmental challenges. Environmental liability insurance is not only beneficial tothe interests of environmental protection and the protection of rights of victims ofenvironmental pollution, but also inhibit corporate polluters rather have a"regulatory agency" functions. Among many environmental protection measures,environmental liability insurance, with its own economic advantages, has obtainedmore and more people’s concern and attention.At present, China’s environmental situation is still grim, environmentalpollution and accidents happen frequently. Statistical data can be seen from therelevant state departments, the annual loss due to environmental destruction andenvironmental pollution caused by the proportion of China’s GDP accounted foranywhere from2%to13%, the report shows, China’s largest500cities, only lessthan1%the city reached the World Health Organization recommended air qualitystandards, at the same time,7of the10world’s most polluted cities in China.Environmental issues have become increasingly threatening the survival of ourhuman problems. China launched the pilot work officially since2007,environmental liability insurance has made positive progress. However, due to thehigh technical requirements and the big liability of environmental liability insurance,environmental liability insurance of the existence of obstacles to legislation, policies, technologies, working mechanism, the development has lagged far behind, soresearch obstacle for development of environmental liability insurance, and thedifficulties presented suggestions in line with China’s national conditions is anurgent task facing the insurance industry.This paper describes the theoretical meaning of environmental liabilityinsurance on the basis of environmental liability insurance for the Westerndevelopment model were compared with the developed countries, in-depth analysisof the lack of environmental liability insurance, problems and constraints exist.Finally, I will put forward some suggestions.Chapter One， Introduction， describes the background of this paper andsignificance of research ideas and methods and achieve innovation;The second chapter describes the theoretical meaning of environmental liabilityinsurance, including environmental liability insurance concept, characteristics,effects, etc.;The third chapter analyzes the current development of China’s environmentalliability insurance, problems and constraints exist;The fourth chapter compares the developed countries, including France andBritain Japanese development model of the virtues of India and other countries,environmental liability insurance, analyzed for significance in China developed;The fifth chapter, puts forward two sides’ suggestions of China’s developmentof environmental liability insurance from the external environment and internalenvironment construction to speed up the construction of China’s environmentalliability insurance.