论我国生态损害责任保险制度的构建

The Institutional Construction of Ecological Damage Liability Insurance System in China

生态损害责任险在我国既缺乏立法支撑又缺乏实践经验,我国生态损害责任险的构建将会面临诸多问题,包括生态损害风险的可保性、投保模式、保险费率、保险限额、保险机构及索赔机制等。我国应当尽快构建生态损害责任保险制度,逐步提升生态损害风险的评估技术水平以解决可保性问题,并在风险预防及有效填补损害原则的指导下构建我国生态损害责任保险制度。

Because the short of legislative support and practical experience for the ecological damage liability insurance in China,many problems,such as insurability of the ecological damage liability insurance,the rate of premium,the ceilings for the insurance,the insurance organization and the system regarding claim for compensation will be met in the construction of the ecological damage liability insurance system.Therefore,ecological damage liability insurance should be built as soon as possible.The insurability problem could be solved through improving the legislation and techniques to estimate the risk of ecological damage.And the related system should be established under the principles of risk prevention and effective compensation for the losses.