Case Study On Green Insurance Pilot Project In Ganjiang New Area

Green insurance originated in developed countries.Although foreign green insurance has experienced difficulties in its development,a very mature model has been established.International efforts have been made to build a global disaster prevention and communication platform,improve environmental risk management system and establish a catastrophe risk decentralization mechanism.As one of the important means of green finance,green insurance promotes the development of green economy and protects the environment.Great contributions have been made.On the contrary,the development of green insurance in China has been in an awkward situation for many reasons.The first pilot project of environmental pollution liability insurance is still in its infancy,and innovative green insurance products have not developed in China.With the frequent occurrence of environmental pollution incidents in recent years,our country attaches great importance to environmental issues.Many governments are piloting environmental pollution liability insurance to form representative models,such as Shenzhen,Quzhou and other places.But environmental pollution liability insurance is only a part of green insurance.In order to effectively establish and improve the environmental risk management system,promote the construction of green production system and promote the healthy development of society,it is necessary to combine Chinese characteristics,innovate green insurance products,formulate personalized products,and boldly explore more effective models,from legislative protection,formulation of industry standards and regulations.We should make joint efforts in the reform of system and mechanism,the development of green insurance products and the promotion of ideas,and establish a multi-level green insurance system with social linkage and participation in the whole society,so as to integrate green into the individual society and realize the ultimate goal of industrial restructuring and living environment optimization.This paper mainly adopts the method of empirical analysis,taking two green insurance products being tested in Ganjiang New Area as examples,by analyzing the implementation process of specific green insurance products,analyzing product characteristics,finding problems,looking for the defects of green insurance in the operation process,finding out the root causes of the current green insurance practice in China,and putting forward some suggestions.The countermeasures andsuggestions for the development of green insurance in China.In order to understand the specific operation status of the green insurance in Ganjiang New Area,the author participated in the whole process of investigation,formulation and clause design of the green comprehensive insurance scheme for the construction project in Ganjiang New Area,visited several insurance companies in Ganjiang New Area successively,visited many government departments such as Ganjiang New Area Management Committee,and interviewed the insured enterprises,and obtained insurance companies and government.The real ideas of the government and enterprises try to expand the problem more thoroughly.Based on the existing framework,this paper introduces the definition and particularity of green insurance,defines the theoretical basis of green insurance,and also provides support for the later issues.Then,this paper summarizes the development of green insurance in China,including environmental pollution liability insurance,catastrophe insurance,new green insurance legal system construction background and specific implementation,listing the main modes of green insurance operation in China.Next,it introduces the market development environment and legal background of Ganjiang New Area as a green insurance pilot.Then it takes the environmental pollution liability insurance of Ganjiang New Area as an example to dissect the contents of two groups of environmental pollution liability insurance pilot projects in detail.Secondly,it introduces the whole process from design to landing of green comprehensive insurance for construction projects in Ganjiang New Area.This paper combs the development of green insurance,analyses the actual problems encountered in the process of product research and development,program formulation and landing,and puts forward the countermeasures and suggestions for the development of green insurance in China from a practical point of view,with a view to promoting the healthy and sustainable development of green insurance in China and enabling green insurance to play an active role in social governance.