Research On My Country’s Ecological Environment Damage Liability Insurance System

Economic development and the acceleration of urbanization have led to more serious environmental problems,and the management of the ecological environment has also attracted people’s attention.However,in judicial practice,many liability bearers are often unable to afford such a huge amount of compensation.How to relieve the damaged ecological environment has become an important and serious problem at present,and the ecological environment damage liability insurance system has become more and more serious.Environmental problems have emerged.In foreign countries,the environmental liability insurance system has been on the stage as an effective socialized relief method.After continuous improvement and development,it has been maturely used in various fields of environmental pollution.However,when our country does not have a complete insurance market,how can we apply the ecological environmental damage liability insurance system to our insurance market?This is undoubtedly a proposition worth considering.In 2018,the "Administrative Measures for Environmental Pollution Compulsory Liability Insurance(Draft)"(referred to as "Administrative Measures")adopted by the Ministry of Ecology and Environment included the liability for ecological damage into the scope of insurance liability,laying a foundation for the insurability of liability for ecological environmental damage.However,the ecological environment damage liability insurance system still lacks legislative support and practical experience in our country.In addition,the pilot exploration found that my country’s ecological environmental damage liability insurance system is still facing many problems in the process of realization.As far as the insurance model is concerned,the voluntary insurance-based model is not binding,which affects the enthusiasm of enterprises to purchase insurance.The underwriting scope is too narrow,so that the ecological environment damage can not get comprehensive relief.The nature of ecological damage itself makes environmental risk assessment difficult,which further affects the formulation of insurance premium rates.From the perspective of comparative law,through the analysis of the American environmental liability insurance system and the German environmental liability insurance system with mature foreign experience,we can find a precise position for the construction of my country’s ecological environmental damage liability insurance system,and learn from the Western experience.On the basis of this,we will gradually improve our country’s ecological and environmental damage liability insurance system.