The Study Of The Demand Of Environment Pollution Liability Insurance Of Hebei Province

Environmental pollution liability insurance,is based on the enterprise's environmental pollution accidents caused by the damage to the third party should bear the compensation responsibility in accordance with law for the subject matter of the insurance.Considering from social each subject,the development of environmental pollution liability insurance is advantageous to the enterprise to improve the consciousness of environmental risk management,to reduce pollution accident;Also for the victims in pollution accident compensation,so that the victim's rights and interests are protected.Hebei province around Beijing and Tianjin is the economic,resources and industrial province,in recent years,the central government put forward the coordinated development of the Beijing-Tianjin-Hebei region,not only to promote economic development in Hebei province,still need to solve the problem of environmental protection,The development of Hebei province for a long time,emphasis of industrial structure,low product structure,unreasonable energy structure,sulfur dioxide,chemical oxygen demand and other emissions,pollution reduction and environmental protection situation is very grim.In this case,the environmental pollution liability insurance should be a great demand in Hebei Province,while the environmental pollution liability insurance pilot relatively late,the relevant legal system is not perfect,coupled with the enthusiasm of business insurance are relatively poor,the insurance company limited supply capacity,resulting in a lack of Hebei province enterprise environmental pollution liability insurance effective demand,the role of environmental pollution liability insurance did not play out.Therefore,this paper based on the demand of environmental pollution liability insurance as the research background,analysis of environmental pollution liability insurance development condition and the demand present situation in Hebei province,analyses the various influencing factors of environmental pollution liability insurance demand,and the influence factors are descriptive statistical analysis and empirical test,to understand the impact of various factors,put forward countermeasures and suggestions to improve the Hebei province environmental pollution liability insurance demand.This paper is divided into five parts: the first part is the introduction,introduces the research background of environmental pollution liability insurance demand,expounds the purpose and significance of the study,and then introduces the literature review of domestic and foreign scholars on the environmental pollution liability insurance,to fully understand the dynamic research of environmental pollution liability insurance.The second part introduces the theory of environmental liability insurance requirements,through externalities,insurance demand characteristics and influence factors of environmental pollution liability insurance requirements,make a theoretical foundation for the entire article.The third part introduces pollution of the environment and environmental pollution liability insurance development in Hebei province,analysis of the shortage of environmental pollution liability insurance demand,and then analyzes the reasons for the insufficient demand of the insurance in Hebei province.The fourth chapter constructs and variables of model selection,and the variables are descriptive statistical analysis and empirical test,and using Logit model on Hebei province pollution responsibility insurance needs effect factors for has empirical test,results displayed,on Hebei province pollution responsibility insurance needs are related of has 7 a variable,by effect size followed by for,The satisfaction degree of the enterprise's environmental pollution liability insurance rate,the service quality of the insurance company,the coverage scope of the environmental pollution liability insurance product,the income status of the enterprise,the support of the government,the number of environmental risks faced by the enterprise,the responsibility for environmental pollution But there are two variables in the empirical results that have not passed the empirical test.They are the perfection of the implementation of the enterprise's environmental protection and the satisfaction of the enterprises in the environment-related laws.It needs to be carried out in the future research analysis.In general,the supply factors of insurance companies are most affected by the demand of Hebei enterprises to the environmental pollution liability insurance.The fifth part is based on the previous four parts of the study,according to the specific circumstances of Hebei Province,and puts forward some countermeasures and suggestions.