Ethical Examination Of Environmental Pollution Liability Insurance

In recent years,environmental accidents with enterprises as the main body of responsibility frequently occur.How to effectively control the environmental risks of enterprises has become a difficult problem in environmental protection and ecological civilization construction.In the1990 s,China introduced environmental pollution liability insurance from abroad,which is a socialized risk-sharing mechanism and participates in the environmental management of enterprises in the way of market.Designing excellent environmental pollution liability insurance products can not only effectively disperse enterprise risks and reduce the probability of environmental accidents,but also protect the interests of victims,reduce government financial expenditure,effectively solve the problem of environmental damage compensation,and realize the "win-win" of enterprise environmental risk control.China has carried out two pilot projects of environmental pollution liability insurance since the 1990 s,but the two pilot projects have achieved little,and the promotion of environmental pollution liability insurance in China is worrying.Therefore,it is very important to examine environmental pollution liability insurance from an ethical point of view,and then propose ethical solutions to its promotion dilemma.The core function of environmental pollution liability insurance is to standardize the environmental behavior in the production and operation of enterprises,reduce enterprise pollution emissions,avoid the risk of environmental accidents,strengthen the social environmental management force,and improve the efficiency of government environmental management.As a green financial instrument of environmental management in China,environmental pollution liability insurance is ethical.It embodies the value requirements of environmental ethics,including protecting nature,safeguarding environmental justice and Schweitzer's environmental ethics of reverence for life.Environmental pollution liability insurance is an environmental management tool with market as the main way of resource allocation.It contains the ethical ideas of cleaner production,fair trade and green consumption in economic ethics.It also contains Jonas' ethical practice of responsibility for future human beings,nature and risk prevention.Environmental pollution liability insurance is ethical,but its promotion is difficult.From an ethical point of view,the dilemma of its promotion is mainly due to the lack of environmental legal system,backward environmental moral education,neglect of market rules,the mismatch between subject responsibility ability and freedom of will,etc.In order to change the current situation of environmental pollution liability insurance,in its development practice,we should follow the principles of prevention,respect for environmental rights,cooperation and progress,as well as the economic and ethical principles of quality first.The government should establish and improve the relevant legal system,strengthen citizen environmental education and enhance citizen environmental awareness.Enterprises should establish the mechanism of environmental accident prevention in the production process,and pay attention to wind.In the work of risk prevention,insurance companies should unite industry forces to improve their own insurance ability,at the same time,enrich product categories and improve product quality.