Research On Development Of China’s Environmental Pollution Liability Insurance

Since the reform and opening-up policy has been implemented for30years, ourcountry’s economy maintains growth momentum, gradually walks into the fastdevelopment track and creates a remarkable economic miracle. At the same time,high-speed economic growth also brings environmental pollution problems, causing thepersonal injury or property damage to people in the environment. Nowadays our countryhas to set out damage compensation questions. The experience of the developedcountries shows that the environmental pollution liability insurance is a good solution.The article is divided into four parts. The first part of the article introduces somerelated knowledge and some basic theories about the environmental pollution liabilityinsurance. These basic theories include environmental tort, negative externalities andno-fault liability principle. Finally the part expounds the significance of implementingthe environmental pollution liability insurance to related participants. From the view ofthe world, the United States, Germany and France are successful at the environmentalpollution liability insurance business and other countries often study the situation ofthese countries. The second part of the article will do the research about the abovecontent. The third part of the article introduces the development history and thedevelopment situation of the environmental pollution liability insurance in our country,and emphatically analyzes the factors which hinder the environmental pollution liabilityinsurance. The fourth part of the article creatively puts forward the general idea ofdeveloping the business, that is establishing a system about the environmental pollutionliability insurance. In the system, the internal construction takes up the main position andthe external construction takes up the secondary position.At the end of the20th century, the environmental pollution liability insurance pilotwork has been carried out in Dalian, Shenyang, Changchun and other northeastern citiesin China. In the process of the pilot, the environmental pollution liability insurance wasin a bad state and eventually had to exit from the insurance market. Generally speaking,the environmental pollution liability insurance has achieved little effect and the businessdidn’t implement the initial purpose. At the National People’s Congress and the ChinesePolitical Consultative Conference which were just concluded, environmental protection became the focus which was discussed among the representatives. Blue sky, green landand clear water are also the biggest dream of every person. At the present, developing theenvironmental pollution liability insurance business helps to realize the dream of everyperson.