我国环境责任保险制度构建中存在的问题与对策

Problems and Countermeasures in the Construction of the Environmental Liability Insurance in Our Country

通过对我国环境责任保险现状的分析,指出我国环境责任保险制度构建中存在的问题,包括企业投保积极性不高、缺乏配套的环境污染法律体系、产品设计专业性强且设计难度大、保险企业经营成本高等。针对出现的问题提出相应的对策建议,如完善配套的法律制度、借鉴先进经验提高企业投保积极性、建立科学的风险评估体系、培养高科技人才、完善产品设计以及加强政府参与等。

Based on the analysis about the current state of the environment liability insurance in our country,it is pointed out that there are many problems in the construction of the environmental liability insurance in our country,which include the poorly motivated enterprises in insurance,the lack of corresponding legal systems about environmental pollution,the stricter professional requirement and higher degree of difficulty about the product design,and the high cost of running the insurance company.Then some countermeasures to the above problems are presented,involving the perfection of corresponding law system,the mobilization of enterprises＇ initiatives in insurance by borrowing some advance experiences,the establishment of scientific risk assessment system,the training of high scientific and technological talents,the improvement of product design,the reinforcement of government participation and so on.