On The Environmental Liability Insurance System In China

The environmental liability insurance system was proved to be a good way to balanceeconomic development and environmental protection. Faced the constantly happenedenvironmental issues, our government is also working hard to find an effective solution, forexample take the environmental liability insurance system as an effective way to solve thisproblem. Combined with our current national conditions and the status of the practice, thereare some deficiencies, so the essay selects our country’s environmental liability insurancesystem to research, hoping to do some to it.The essay adopts theoretical and case analysis, systematic and comparative analysismethods, it can divide into five parts to study the system of our country’s environmentalliability insurance, each part of the main contents are as follows: the first chapter is anintroduction of the essay, there are six parts to briefly introduce the contents. They are thebackground of this study, the study’s purpose and significance, then made a brief introductionto foreign countries on environmental liability insurance, selected the United States, Germany,France and other countries to study the insurance mode, insurance coverage and exclusionsand insurance rate, the claim aging and the insurance agencies. After an overview of thestatus to our country’s practice, this part discusses the essay’s main ideas, methods, andinnovation point. The second chapter is a fundamental part of the environmental liabilityinsurance system, including the connotation of the system, characteristics, roles, and theestablishment of the system, the theoretical basis. To study these can make groundwork forthe follow work, when understand what the environmental liability insurance system is andwhat its role as well as the theoretical basis, you can do the following study. Chapter IIIdescribed the system of foreign countries’ environmental liability insurance in detail, bychoosing representative countries to study the relevant provisions of the various aspects of thesystem, hoping to provide the basis for the Improvement of the relevant provisions. Thefourth chapter begins with an introduction to our practice on the system, to analyze andsummarize the difficulties our country is facing now, including the relevant laws andregulations are incomplete, the unreasonable design of the system caused adverse selection and moral risk. The final part put forward a few suggestions to improve the environmentalliability insurance system in China. Through the above research, the essay firstly proposes thedirectly claim of compensation for damages of reinsurance.