我国绿色保险问题研究——从保险公司经营角度

Study on Green Insurance Problems in China: From the Operational Perspective of Insurance Companies

我国已从立法的角度确立了环境污染责任保险的性质和地位。作为我国第二个强制责任险,从立法实施到规范运行还需各方力量的磨合和不断的探索。分析目前我国保险公司承保绿色保险存在的主要问题,提出各方协作发展环责险的重要性,指出保险公估公司的作用,建议建立政府、保险公司与保险公估公司共担责任的共保模式,以推动绿色保险的发展。

China has established the nature and status of liability insurance for environmental pollution from the perspective of legislation.As China's second compulsory liability insurance,from the implementation of legislation to the operation of norms,it still needs the strength of all parties and continuous exploration.This paper analyzes the main problems existing in insurance companies in our country,puts forward the importance of all parties to cooperate in the development of environmental liability insurance,points out the role of the insurance assessment company,and proposes a joint responsibility system model with the insurance assessment company in order to make a certain contribution to the development of green insurance.