China’s Green Insurance Product System Design And Policy Support Research

As a development model of ecological harmony and economic growth,green economy has been widely concerned by many countries.As an important part of China’s green financial system,green insurance is an important industry and basic risk management means of modern economy,and will play an important role in the development of China’s green economy.This study starts from the basic theory of green insurance products,introduces its important position in the industry,explains the relationship between green insurance expenditure and environmental risk management,analyzes the development status of green insurance in my country’s pilot areas and finds out the existing problems.Then briefly introduce green insurance products,point out the characteristics of green insurance,and clarify the role of green insurance in various fields.Faced with the continuous increase of pollution incidents in our country over the years,we need to further improve the supervision of these situations.Various provinces and cities in our country have carried out personalized environmental pollution liability insurance pilots according to their actual conditions.The green insurance products that are being piloted in Ganjiang New Area are analyzed as a case.This case introduces the implementation process of specific green insurance products,analyzes the characteristics of the products,explores the government’s policy support,and clearly points out the characteristics of green insurance in Gannan New Area.existing problems.In order to establish an effective environmental risk management system,promote the reform of the production system,and promote the sustainable development of society,we must also relate to my country’s national conditions.According to the problems faced by my country’s green insurance and the risk resolution mechanism of green insurance products,the current situation of green insurance is analyzed.Finally,it puts forward corresponding suggestions for the development of green insurance,emphasizing that increasing product innovation and service innovation is the key to development.Development of society,it needs to be connected with Chinese characteristics.This paper analyzes the current situation of green insurance from two aspects:the problems faced by green insurance in China and the risk resolving mechanism of green insurance products.Finally,some suggestions are put forward for the development of green insurance,emphasizing that product and service innovation is the key to development.The harm degree of environmental risk,the development degree of insurance industry and the sound legal system all affect the mode of green insurance.The current low carbon era,insurance of our country to choose compulsory and arbitrary combination of green development model is suitable for our country’s specific national conditions,as in nature under the policy support of commercialization,underwriting institution of science,gradually expand the coverage and innovating new green insurance danger to plant,and puts forward the green insurance risk resolution mechanism.Finally,aiming at the problems in green insurance pilot,puts forward the liability to pay compensation quota system,scientific and reasonable to determine the insurance rate,extend the claim limitation and improve the environment pollution liability legislation,improve the insurance market and the transformation government function related Suggestions,the green insurance industry in China is expected to on the basis of the positive development,And play a significant good effect on social governance.