从试点看我国环境责任保险法律制度的构建

发布时间：2018-04-24 12:41

本文选题：环境责任保险 + 环境责任保险法律制度　；参考：《湖南师范大学》2010年硕士论文

【摘要】： 我国经济高速发展的今天,也是我国环境污染事故的高发时期。环境责任保险的实施,可以降低企业的经营风险以及社会风险。第一,企业一旦发生污染事故,损失可以由保险公司赔付,从而企业可以尽快投入生产,维持正常的经营；第二,企业的污染风险越大,保险的费率就越高,环境责任保险的实施能够促使企业加强企业管理与监控,进行技术创新,降低污染风险,这样就可以间接减少企业对环境的污染。第三,企业发生污染事故时,受害的居民往往得不到赔偿,企业参保环境责任保险后,受害的居民可以直接从保险公司得到赔付。为此,我国从2008年开始正式在部分省市进行第二轮环境责任保险的试点工作。虽然各个相关部门进行了大量工作,但是试点工作不尽人意,环境污染高危企业不能够积极投保环境责任保险,影响了我国环境责任保险的推广。本文在对环境责任保险试点相关单位进行调查研究的基础上,总结了我国环境责任保险试点不够成功的各方面原因,利用实证法,着重从法律制度的层面,以法律的视角,提出了适合我国国情的环境责任保险法律构建的建议。第一章简述环境责任保险的概念、特征、理论依据、实施意义；第二章着重阐述了我国环境责任保险的试点现状、存在问题以及原因；第三章在前面理论分析与实际论证的基础上,提出构建我国环境责任保险法律制度的设想。
[Abstract]:Our country economy develops rapidly today, also is our country environment pollution accident high incidence period. The implementation of environmental liability insurance can reduce business risks and social risks. First, once an enterprise has a pollution accident, the loss can be paid by the insurance company, so that the enterprise can put into production as soon as possible and maintain a normal operation; second, the greater the pollution risk of the enterprise, the higher the insurance rate. The implementation of environmental liability insurance can promote enterprises to strengthen enterprise management and monitoring, technological innovation, reduce the risk of pollution, so as to indirectly reduce the pollution to the environment. Third, when the enterprise pollution accident, the injured residents often can not get compensation, after the enterprise takes part in the environmental liability insurance, the injured residents can get the compensation directly from the insurance company. Therefore, the second round of environmental liability insurance has been carried out in some provinces and cities since 2008. Although various relevant departments have done a lot of work, but the pilot work is not satisfactory, the high risk enterprises of environmental pollution can not actively take out environmental liability insurance, which affects the promotion of environmental liability insurance in China. Based on the investigation and study of the relevant units of environmental liability insurance, this paper summarizes the reasons why the pilot project of environmental liability insurance in our country is not successful enough, and makes use of the empirical law to focus on the legal system and the perspective of law. This paper puts forward some suggestions on the construction of environmental liability insurance law suitable for China's national conditions. The first chapter briefly describes the concept, characteristics, theoretical basis and implementation significance of environmental liability insurance, the second chapter focuses on the status quo, problems and reasons of environmental liability insurance in China. On the basis of theoretical analysis and practical argumentation, the third chapter puts forward the idea of constructing the legal system of environmental liability insurance in China.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D922.6;D922.284

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