Case Study On Environment Pollution Liability Insurance Pilot Project In Shenzhen

Environmental pollution and ecological damage control have become an important social issue in the current economic development process.As an environmental pollution liability insurance with environmental risk prevention and control and social management functions,it is becoming more and more important in the construction of ecological civilization and the development of green finance.This paper selects Shenzhen as a pilot city to study the implementation of environmental pollution liability insurance,and put forward relevant suggestions for the future development of environmental pollution liability insurance.Through the methods of literature review,case analysis and statistical analysis,from the government to the market to the third-party organization’s operation,it summarizes Shenzhen’s experience in pilot environmental pollution liability insurance.The government guides and promotes by the market to develop innovative models,increases the insurance rate of enterprises,and improves the quality of services in the form of the establishment of co-insurance to develop an integrated network platform.And organize professionals to carry out risk assessment and hidden danger investigation to improve the company’s awareness of environmental risk prevention and management.Although local pilot projects have achieved certain results,there are still many shortcomings in the development of our country’s environmental pollution liability insurance.The lack of legislative support and supporting laws and regulations is the key factor that has caused the stagnation of the bottom-up pilot work.The low enthusiasm of enterprises to purchase insurance,the limitation of insurance clause design,and the imperfect environmental risk assessment system have exacerbated the difficulties in carrying out environmental pollution liability insurance.Finally,this article proposes countermeasures and suggestions for the future development of environmental pollution liability insurance from three aspects.The first is to improve relevant legal systems,introduce higher-level laws and optimize environmental risk assessment mechanisms.Second,Insurance company must innovate environmental liability insurance products,expand insurance liability,increase innovative types of insurance,and optimize services.The third is to increase the enthusiasm of all parties to participate,increase government support and guidance,support the co-insurance model to improve underwriting capabilities and improve the supervision and management guarantee system.