环境污染责任保险的美国经验及中国实践

Environmental Pollution Liability Insurance: American Experiences and Chinese Practices

中文关键词:  环境风险管理  环境污染责任  保险  环境污染责任保险

英文关键词:environmental risk management  environmental pollution liability  insurance  environmental pollution liability insurance

中文摘要:

      环境污染责任保险是一种基于市场手段的环境风险管理方法，通过为具有环境污染风险的企业提供商业保险，从而为被保企业的环境污染及治理责任提供一定的保障，同时促进企业主动降低其环境风险。环责险在我国经过了多年的试点和推广，取得了一定成绩，但是也面临许多困难。本文借鉴环责险在美国发展的经验，识别环责险市场发展的条件，同时评价我国环责险市场发展是否具备这些条件，并为进一步促进环责险发展提供建议。

英文摘要:

      Environmental pollution liability insurance (EPLI) is a market-based mechanism for environmental risk management. By providing insurance to companies that have the risk of environmental pollution, EPLI offers specific coverage to the liability of environmental pollution and remediation. By doing so, EPLI also instigates insured companies to better manage their environmental risks. EPLI has been piloted and implemented in China for many years. Despite notable progresses, the EPLI market in China still faces many obstacles. Here we identify conditions that support EPLI development based on experiences in the U.S., and evaluate these conditions in the Chinese context. We also provide policy suggestions for future development of EPLI in China based on these analyses.