Research Questions Of Environmental Pollution Liability Insurance Development In Our Country

Since the21st century, frequent accidents of environmental pollution in our country and presents the growing trend, environmental problems become the focus of public attention, improve the environment has become the top priority. While environmental pollution liability insurance has dispersed risk transfer function, is to resolve environmental risk. Since its expansion of the pilot, spread rapidly throughout the country, but the insurance underwriting responsibility too narrow, cost rate is high, the product homogeneity phenomenon serious. Hope for more in-depth analysis of the problems encountered in the development of the insurance, so as to put forward a set of more perfect environmental pollution liability insurance development plan.First of all, in this paper, environmental pollution liability insurance features, insurable risks, insurance coverage, the demand factor, supply decision factor, the type is set and its related theory made a systemic analysis, introduces the development status of the insurance in our country, expounds the problems existed in the development of the insurance, and the causes are analyzed in depth. Secondly, the comparison on the American, Britain and France, Germany and other developed countries environmental pollution liability insurance situation, from the scope of insurance liability, insurance agency, insurance claim limitation, way introduced specifically, provide ideas for development of the insurance of our country. Again, based on the above analysis, describes the design principles of the insurance policy and the terms of the dispute redesign, Divided the industry and corporate environmental pollution level of risk, and based on the loss data in petrochemical industry, the use of non-life actuarial pricing method to calculate the average loss of environmental pollution liability insurance petrochemical industry, According to China PICC and Ping An Insurance Terms of practice, drawn risks insurance rates and the cost of additional surcharge rate, in order to determine the average rate of the petrochemical industry, On this basis, depending on the amount and corporate underwriting risk level, determined by the petrochemical industry hierarchical classification of environmental pollution liability insurance rates, at the same time to promote this method to other environmental pollution industry rates set. Finally, draw conclusions, and the insurer made the following recommendations to develop, establish and improve the insurer’s legal system, to properly resolve intellectual property issues, the formation of a joint underwriting agencies, Build efficient product development team, strengthen sales promotion measures and attention to insurance claims management.