环境责任保险需求不足的成因及对策分析

Causes of and Countermeasures for Shortage of Demand for Environmental Liability Insurance

我国环境责任保险经过二十多年的发展,陷入了"叫好不叫座"的尴尬局面,市场需求不足是其重要表现之一。购买动力不足、购买能力有限、国家政策导向不明晰是造成这一现象的主要原因。增加环境责任保险市场需求,关键是要加大环境规制力度,提高公众的保险意识和维权意识,增加保险产品市场供给,制定合理的保险费率,完善关于强制投保的法律法规,从而推进环境责任保险的发展,完善环境侵权损害救济社会化机制。

After more than twenty years of development, environmental liability insurance in China has fallen into an embarrassing situation, with shortage of market demand being one of its important manifestations. Causes of such shortage mainly include weakness of purchasing power, limit of purchasing capacity and unclarity of the orientation of national policy. In order to increase market demand for environmental liability insurance, it is essential to strengthen efforts to regulate environment governance, raise public awareness of insurance and right protection, increase supply in insurance products market, determine a reasonable premium rate, and perfect laws and regulations of compulsory insurance. By doing so, development of environmental liability insurance can be accelerated, and socialized mechanism to relieve environment tort he further improved.