Research On Development Of Environmental Pollution Liability Insurance In China

The living standards of our residents have greatly improved compared to the past,thanks to the rapid development of our economy,but most of this amazing development rate is based on the premise of sacrificing the environment,which has led to a sharp decline in the quality of our environment.Especially in recent years,due to the unreasonable layout and structure,many industries have entered a period of high incidence of environmental accidents,and frequent environmental pollution accidents have caused a lot of losses.In order to solve this increasingly serious environmental problem and protect the public's environmental rights and interests,the government has continuously issued various environmental protection policies.Under this background,environmental pollution liability insurance uses market means to solve the problem of corporate environmental pollution,and has been vigorously promoted by the Chinese government.So far,the pilot work of China's environmental pollution liability insurance has been carried out for more than ten years,and the pilot work of some provinces and cities in China has also achieved certain results.However,judging from the emergence and development of the environmental pollution liability insurance system in China,it is still a new thing.There are still many issues that cannot be ignored in product design and supporting measures,which affect the role of environmental pollution liability insurance.In order to solve the above problems,the article analyzes the current practice of the environmental pollution liability insurance system on the basis of related theories,finds out the existing problems,and then draws on foreign successful experiences and puts forward targeted recommendations in combination with China's actual situation,so as to give full play to the role of environmental pollution liability insurance in environmental protection.Therefore,this research has important theoretical and practical significance.The article mainly adopts literature review method,case analysis method and comparative analysis method to study environmental pollution liability insurance.It mainly includes the following parts: The first part is the case introduction.The measures for implementing environmental pollution liability insurance in three pilots in Zhejiang Province were introduced in a chronological manner.The second part is a case study.Summed up the successful experience of the pilot in Zhejiang Province,and find out the current problems,which in turn leads to thinking about the development of environmental pollution liability insurance in China.The third part expounds the necessity of developing environmental pollution liability insurance,and then analyzes the reasons for the slow development of China's environmental pollution liability insurance,including the imperfection of relevant laws,unattractive products and inadequate environmental pollution liability insurance related systems.The fourth part is based on the understanding of the environmental pollution liability insurance system in the United States and Germany,combined with the actual situation in China,and summarizes foreign experiences that can be used for reference.The fourth part is based on the analysis of the environmental pollution liability insurance system in the United States and Germany,combined with the actual situation in China,to summarize the foreign experience that can be used for reference.The fifth part puts forward suggestions for the development of China's environmental pollution liability insurance: first,to improve the relevant legal system;second,to innovate insurance products,including underwriting progressive pollution liability,to formulate reasonable claims conditions,etc.;third,to improve related supporting mechanisms Including innovative underwriting methods,and improving environmental pollution risk assessment mechanisms.