论碳融资保险的法律构造  

On Legal Structure of Carbon Financing Insurance

作　　者：林诚 赵梓辰 LIN Cheng;ZHAO Zichen(School of Law,Fujian Normal University,Fuzhou 350117,China)

机构地区：[1]福建师范大学法学院,福州350117

出　　处：《长春大学学报》2024年第7期91-97,共7页Journal of Changchun University

基　　金：国家社会科学基金青年项目(23CFX044);福建省社会科学基金青年项目(FJ2022C062);福建师范大学校级项目(TZH2022-12)。

摘　　要：碳融资法律关系由碳配额的取得、碳排放权的交易和碳债权的保障等三个部分组成。作为碳融资法律关系的核心,碳债权的保障方式亟待创新,以碳排放权质押为主、企业及其高级管理人员提供抵押、质押、保证为辅的传统碳债权保障方式在实践中无法充分保障商业银行的融资风险。我国应秉持绿色保险的政策导向,引入以信用保险为运营模式的碳融资保险制度并合理设计相关合同条款,从而促进碳融资交易的繁荣发展。The legal relationship of carbon financing consists of the acquisition of carbon quota,the transaction of carbon emission right and the assurance of carbon debt right.As the core element of the legal relationship of carbon financing,the assurance of carbon debt right needs innovating.The traditional carbon debt guarantee method,which is mainly based on carbon emission pledge and supplemented by mortgage,pledge and guarantee provided by enterprises and their senior managers,cannot fully guarantee the financing risk of commercial banks in practice.China should uphold the policy orientation of green insurance,introduce the carbon financing insurance system with credit insurance as the operation mode,and rationally design relevant contract terms,so as to promote the prosperity and development of carbon financing transactions.

关 键 词：碳金融 碳排放权交易 碳排放权质押 信用保险 

分 类 号：D922.284[政治法律—经济法学]