强制性环境污染责任保险的经济学思考

Economics View of Compulsory Environmental Pollution Liability Insurance

根据投保人是否根据自愿原则投保,可将保险方式分为自愿与强制两种。我国环境污染责任保险起步较晚,在保险方式的选择上尚无定论,但是环境污染形式不容乐观,环境污染事故频发。从经济学的角度分析采用强制性保险方式的依据,以期促进我国环境污染责任保险的发展,为早日实现建设美丽中国这一目标提供保险支持。

According to whether the insured voluntarily pay for the insurance products, insurance mode can be divided into two types - voluntary and compulsory. Environmental pollution liability insurance in China started relatively late, and the options of insurance mode isinconclusive, but the pollution of the environment can not be optimistic ,what＇s more, environmental pollution accidents occurred frequently. This paper analyzed why compulsory insurance mode is necessary from the perspective of economics, in order to promote the development of China environmental pollution liability insurance, and provide insurance - related support for the beauty of our country.