我国环境污染责任保险开发中的问题研究

发布时间：2018-04-05 20:58

本文选题：环境污染责任保险　切入点：保险责任范围　出处：《广西大学》2014年硕士论文

【摘要】：自21世纪以来,我国环境污染事故频发,且呈现愈演愈烈的态势,环境问题成为公众关注的焦点,改善环境己成为当务之急。而环境污染责任保险具有分散转移风险的功能,是化解环境风险的利器。自其扩大试点以来,在全国范围内快速推广,但该保险的承保责任过窄,费率偏高,产品同质化现象严重。希望通过对该保险开发所遇问题进行深层次分析,从而提出一套更加完善的环境污染责任保险开发方案。首先,本文对环境污染责任保险的特点、可保风险、承保范围、需求因数、供给决定因数、种类设置及其相关理论做了系统性分析,介绍了我国该保险的发展状况,阐述了该保险开发中存在的问题,并对其成因进行了深层次分析。其次,比较介绍了美国、英法、德国等发达国家环境污染责任保险开发状况,从保险责任范围、承保机构、索赔时效、投保方式等方面作了专门介绍,为我国该保险开发提供思路。再次,基于以上分析,阐述了该保险条款的设计原则并且对争议条款进行重新设计；划分了环境污染行业及企业的风险等级,并以石油化工行业的损失数据为基础,采用非寿险精算定价方法,测算出石油化工行业的环境污染责任保险平均损失；根据中国人保财险条款和平安财险条款实践,得出该保险的风险附加费率和费用附加费率,从而厘定石油化工行业的平均费率；在此基础上,根据承保金额和企业风险等级的不同,厘定了石油化工行业的环境污染责任保险分级分类费率,同时将该方法推广到其它环境污染行业的费率厘定。最后,得出研究结论,并对该保险开发提出了以下建议,建立健全该保险的法律体系,妥善解决知识产权问题,组建联合承保机构,构建高效的产品开发队伍,强化销售推广措施和重视承保理赔管理方法。
[Abstract]:Since the 21st century, environmental pollution accidents have occurred frequently in China and become increasingly fierce. Environmental problems have become the focus of public attention, and improving the environment has become a top priority.Environmental pollution liability insurance has the function of dispersing and transferring risks, and it is a sharp weapon to resolve environmental risks.Since the expansion of the pilot project, it has been rapidly popularized throughout the country, but the underwriting liability of the insurance is too narrow, the rate is on the high side, and the phenomenon of product homogeneity is serious.It is hoped that through the deep analysis of the problems encountered in the development of the insurance, a more perfect scheme for the development of the liability insurance for environmental pollution will be put forward.Firstly, this paper makes a systematic analysis of the characteristics, insurable risk, coverage scope, demand factor, supply determinant factor, category setting and related theories of environmental pollution liability insurance, and introduces the development of this insurance in China.This paper expounds the problems existing in the development of the insurance, and makes a deep analysis of the causes.Secondly, it compares the development of environmental pollution liability insurance in developed countries, such as the United States, Britain, France, Germany and other developed countries, and makes a special introduction in terms of the scope of insurance liability, the insurer, the limitation of claims, the way of insurance, and so on.To provide ideas for the development of this insurance in China.Thirdly, based on the above analysis, this paper expounds the design principle of the insurance clause and redesigns the controversial clause, classifies the environmental pollution industry and the enterprise risk grade, and based on the loss data of petrochemical industry,By using non-life insurance actuarial pricing method, the average loss of environmental pollution liability insurance in petrochemical industry is calculated, and according to the practice of China PICC property insurance clause and Ping an property insurance clause, the additional risk rate and the additional cost rate of the insurance are obtained.On the basis of this, according to the difference of insured amount and enterprise risk grade, the classification rate of environmental pollution liability insurance in petrochemical industry is determined.At the same time, the method is extended to other environmental pollution industries.Finally, the conclusion is drawn, and the following suggestions are put forward for the development of the insurance, such as establishing and perfecting the legal system of the insurance, properly solving the problem of intellectual property rights, setting up joint underwriting institutions, and constructing an efficient product development team.Strengthen sales promotion measures and pay attention to underwriting claims management methods.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.69

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