环境污染风险管理模式比较及环境责任保险的功能定位

Risk of Environmental Pollution and Role Orientation of Governance Body

在各类风险管理工具中,商业保险机制在应对环境污染风险方面有发挥决定性作用的潜力。环境责任保险有利于保险业的发展、环境保护和维护环境污染受害人的权益。不仅如此,商业保险机制还可以抑制企业制造污染而具有"代理监管"的职能。基于我国环境问题的现状,自发性环境责任保险市场难以建立,可以考虑实行间接强制环境责任保险制度模式。环境责任保险是主体,民事侵权责任制度是环境责任保险发展的基础,政府支持是发展环境责任保险的重要补充。

In various types of risk management tool,the government policy makers should realize that commercial insurance has a crucial role of potential in dealing with the risk of environmental pollution.Environmental liability insurance is beneficial for the development of insurance,environmental protection and pollution victim's rights.Moreover,commercial insurance system may also inhibit the manufacture of pollution.Based on the functions of our environmental problems,it can be indirectly to enforce environmental liability insurance system.Environmental liability insurance is the mainstay of the system.Legal system of environmental liability is the basis of environmental liability insurance and the support of government is an important complement of environmental liability insurance.