Research On The System Of Environmental Liability Insurance In China

As an important way to effectively deal with environmental risks,the implementation of environmental liability insurance can not only realize the transformation of environmental management,but also benefit the full play of the social management function of the insurance mechanism.Although China's environmental liability insurance has been developing and evolving for more than 10 years,it has played an important role in environmental governance and compensation,but it still has not formed a comprehensive legal system,and the establishment of this cause has fallen into the bottleneck of development.Similar to the public goods,it needs state support for law and policy.Therefore,it is necessary not only to provide strong support from the state on the legislative level,to gradually improve legislation in stages and to set up special legislation and supporting legislation,but also to the joint cooperation and efforts of the government,enterprises,insurance institutions and the public to release the social benefits of environmental liability insurance to the maximum extent.The article is divided into the introduction and three chapters.The introduction part mainly introduces the background and significance of the thesis,which is a brief overview of the research background and influence.At the same time,it summarizes and evaluates the relevant literature of the research object,and then sums up the innovation of the research object.The first chapter is the overview of the research object,the part of the author from the basic theory of environmental liability insurance,to elaborate its concept,types and basic functions,and then the theoretical source of its detailed explanation.The second chapter is based on the concrete practice of environmental liability insurance in China,tracing back to the source,starting from its development process,focusing on the analysis of the current insurance situation in the pilot areas of our country,and some innovative measures that are worth learning from and learning in some pilot areas.Although some results have been achieved in some pilot areas,there are still many problems,including the imbalance of supply and demand mechanism and the imbalance between regional development and so on.The main reason is that the environmental liability insurance is positive externality,and the policies and legislation are not perfect,and the related mechanisms are relatively lack,which makes the system development hindered.The third chapter mainly expounds the improvement path of the insurance in China.First of all,we should "work hard" on the institutional elements to ensure the supply of insurance companies.Secondly,it needs practical laws and regulations to provide guarantee to expand the diversified demand of the market to the insurance,and to speed up the establishment of a matching mechanism.To support the development of the government,enterprises,insurance institutions and the public,to support the development of the government,enterprises,insurance institutions and the public,to support the development of this insurance in China.