立法缺陷、承保约束与中国环境污染责任保险的制度供给  

Legislative Defects,Underwriting Constraints and China Environmental Pollution Liability Insurance Institution Supply

作　　者：张伟[1] 

机构地区：[1]广东金融学院华南金融研究所,广东广州510521

出　　处：《广东金融学院学报》2011年第3期46-57,共12页Journal of Guangdong University of Finance

基　　金：广东省自然科学基金项目(9151064101000006)

摘　　要：高额的排污收益和极低的违法成本制约了企业对环境污染责任保险的需求,环境污染的巨灾性、潜伏性和法律适用的不确定性抑制了保险公司的承保能力,导致中国环境污染责任保险发展乏力。建议加大对环境污染事故的处罚和赔偿力度,将环境质量纳入地方官员的考核体系并提高其权重,向排污企业收取排污费成立环境损害赔偿基金,通过发行环境巨灾债券来扩大承保能力。High sewage earnings and extremely low cost restricted the needs of pollution liability insurance by enterprises.The Catastrophic and latent feature,as well as the laws applicable uncertainty of the environmental pollution suppressed the insurance capacity of the insurance companies,causing the lack of development of the Chinese environmental pollution liability insurance.The papers suggested enhancing the punishment and compensation of the pollution accidents,and bringing the environmental quality assessment system into evaluating the local officials＇ performance and improving its weight.Charge the sewage enterprises to found environmental damage compensation fund,and use the issuance of environmental catastrophe bonds to enlarge the insurance capacity.

关 键 词：环境污染保险 立法缺陷 承保约束 损害赔偿基金 

分 类 号：F840.69[经济管理—保险]