环境污染责任保险投保意愿及需求分析——基于深圳的问卷调查

发布时间：2018-05-06 15:56

本文选题：环境污染责任保险 + 投保意愿　；参考：《特区经济》2016年06期

【摘要】：通过对深圳市239家企业开展问卷调查,对企业参与环境污染责任险的投保意愿及需求进行了定性和定量分析。结果表明,参与调查的企业中只有51.9%为自愿投保,暂未投保的主要原因是缺乏了解(65.4%)和保险费率过高(39.5%);44.6%企业选择续保的主要原因是由于政府强制要求,但强制投保作用出现减弱趋势;超过50%的企业对目前保险产品和服务感到基本满意。通过调研发现,企业希望深圳市环境责任险制度不断改进完善,比如不断纳入附加条款扩大理赔范围、完善事前风险评估、开展日常风险巡查、加大续保优惠和政府支持力度等。针对承保范围、保险费率、事前风险评估及日常风险巡查等服务、政府补贴、事故责任认定等方面,提出了相应的政策意见。
[Abstract]:Based on a questionnaire survey of 239 enterprises in Shenzhen, this paper qualitatively and quantitatively analyzed the willingness and demand of enterprises to take part in environmental pollution liability insurance. The results showed that only 51.9% of the enterprises surveyed were voluntarily insured. The main reasons for not taking out insurance were lack of understanding of 65.4%) and excessive premium rate of 39.5%. 44.6% of enterprises chose to renew their insurance because of the compulsory requirement of the government. But the role of compulsory insurance has weakened; more than 50% of enterprises are basically satisfied with the current insurance products and services. Through research, it is found that the enterprises hope that the Shenzhen environmental liability insurance system will be continuously improved and perfected, such as continuously incorporating additional clauses to expand the scope of claims settlement, perfecting prior risk assessment, and carrying out routine risk inspections. Increase the renewal of benefits and government support, and so on. The corresponding policy suggestions are put forward on the aspects of insurance coverage, premium rate, prior risk assessment and daily risk inspection, government subsidy, accident liability determination and so on.
【作者单位】：深圳市环境科学研究院;
【基金】：深圳市环境污染责任保险制度效益分析和保险模式创新研究(项目编号SZ 14G022)
【分类号】：X196;F842.69

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