美国棕色区域环境责任保险及其对我国的启示与借鉴

Brownfield Environmental Liability Insurance in the US and Its Implications for China

在过去的十多年里,美国国会和大多数州都制定了棕色区域立法。其目的在很大程度上是鼓励开发商对那些已经遭受污染但有恢复可能性的工商业用地进行再开发。但棕色区域立法在有利于污染用地再开发的同时,也存在一些立法上的缺陷,因此棕色区域环境责任保险应运而生。目前,我国环境污染责任保险承保棕色区域环境污染风险问题,在实践上基本还是空白,在理论探讨方面也相当薄弱。我们应该借鉴美国的做法,在环境污染责任保险中尝试担保棕色区域环境风险,使我国环保立法与发达国家保持同步。

In the past decade, the U. S. Congress and most US states have enacted legislations on brownfield sites. Its main purpose is to encourage the redevelopment of the contaminated land once used for industrial, manufacturing or commercial uses but with the possibility of reuse. Although such legislations are conducive to the redevelop- ment of the abandoned land, they are unfortunately prone to some legislative limitations. Such limitations necessi- tate the brownfield environmental liability insurance programs. In today＇s China, there has not been much theoreti- cal study on brownfield environmental pollution liability insurance and practically no actual practice in this field. With a review of the US legislations on brownfieid sites and its brownfield environmental liability insurance programs, this paper analyzes the differences and similarities between the US and China and eventually come to some implications for China＇s environmental pollution liability insurance in this new field.