环境污染责任保险经营困境及环境影响评价的作用

The Effects of Environmental Pollution Liability Insurance's Dilemma and Environmental Impact Assessment

根据我国环境影响评价的政策法规,尝试将环境污染责任保险的经营和实施过程与该项制度相结合,利用评价方法中的环境风险评价解决环境责任保险在费率厘定问题和责任认定方面的问题,依据环境影响后评价应对道德风险和逆向选择问题。结果表明,与环境影响评价的结合可以使保险费率的设置获得更多基础数据和更科学的过程,同时使保险公司对风险的管理和控制更为客观精确。

This paper tries to combine the implementation and operation of environmental liability insurance, with the environmental impact assessment system. By examining the methods used in the environmental risk assessment, issues like determination of the premium rate and insurance liability can be shed light upon. Problems like moral hazards and adverse selection can also be partially answered by employing the post environmental impact assessment. The result shows that combining environmental impact assessment and environmental liability insurance can make more basic data and a more sensible process accessible for the setting of the premium rate. Furthermore, it also allows a more objective and precise regulation and control over the insurance risk.