The Research Of Environmental Liability Insurance In Hebei Province

With the development of social economy, our country has entered a period ofenvironmental pollution accident. According to the data released by the state environmentalprotection administration, rivers in our country for nearly a quarter cannot meet therequirements of irrigation water for the pollution, about75%of the lakes water pollutedsignificantly. According to authoritative department estimates that every year in China most120billion caused by the direct economic lost for the environmental pollution. Similarly,Jing Jin Ji Lu spend5billion govern haze in north China, Hebei is the worst-hit areas, whichsteadily occupy7/10for the pollution of the top ten. In this view,it is urgent to managepollution. But Environmental liability insurance is brought hope to the overburdenedenvironmental pressure, which can effectively reduce the transaction costs of environmentaldisputes in a timely manner to the victim for compensation, thus effectively maintain theenvironmental rights and interests of the public. So how to insure environmental liabilityinsurance effective implementation and promote widely in the province and even across thecountry is becoming very urgent.First,this article introduced the connotation of environmental liability insurance andcharacteristics in the perspective of basic theory of insurance, then analyses the effect of thedevelopment to the environmental liability insurance, also state it in detail to the necessity andthe real value of the development of environmental liability insurance,analysis it respectivelyfrom the value of the economic, social, the government and the enterprise to the four aspects,and from the above aspects analyzes on the advantages of the development to environmentalliability insurance in our country. Then mainly to introduced the development of theenvironmental liability insurance in domestic country and foreign country in detail,in whichhave some reference and revelation and make the right guidance for the developing directionof environmental liability insurance in Hebei province. Analyzes the various aspects of theinfluencing factors in internal and external conditions, evaluation conditions, geographicalconditions of the environmental liability insurance in Hebei province, and find the specificproblems in the development of it. Finally, on the basis of the current situation of theenvironmental liability insurance in Hebei province put forward specificcountermeasures,which included perfecting the legal system, strengthen the policy support,guard against moral hazard, expanding the scope of the market demand and adjust insurance company insured link, etc. Through the research and exploration to the environmental liabilityinsurance, in order to contribute for the further development of the market in theenvironmental liability insurance in Hebei province.