环境污染强制责任保险实践困境及完善路径  

Practice Dilemma and Improvement Path of Mandatory Liability Insurance for Environmental Pollution

作　　者：吴道明 WU Daoming(Law School,Hunan Institute of Science and Technology,Yueyang 414006,China)

机构地区：[1]湖南理工学院法学院,湖南岳阳414006

出　　处：《中国资源综合利用》2025年第1期162-164,共3页China Resources Comprehensive Utilization

基　　金：2024年湖南省研究生科研创新一般项目“环境高风险企业环境污染强制责任保险法律制度研究”(CX20240963)。

摘　　要：我国从2007年开始推行环境污染责任保险,2013年开展环境污染强制责任保险试点工作,但因为缺乏明确的法律规定而陷入推行困境。首先,分析环强险的内涵及作用。其次,分析环强险的实践困境,包括法律依据不足、保险责任范围较窄、保险赔付率低、保险费率过高及除外责任设置不完善。最后,针对存在的问题,提出相应的制度化完善路径,包括完善环境污染强制责任保险的法律体系、明确投保企业范围、扩大责任范围及合理设置除外责任等,旨在实现风险共担,安全双赢,驱动企业绿色转型。China has been implementing environmental pollution liability insurance since 2007,and launched a pilot program for mandatory environmental pollution liability insurance in 2013.However,due to the lack of clear legal provisions,it has encountered difficulties in implementation.Firstly,analyze the connotation and function of environmental insurance.Secondly,analyze the practical difficulties of environmental compulsory insurance,including insufficient legal basis,narrow insurance liability scope,low insurance payout ratio,high insurance premium rate,and incomplete exclusion liability setting.Finally,in response to the existing problems,corresponding institutionalized improvement paths are proposed,including improving the legal system of mandatory liability insurance for environmental pollution,clarifying the scope of insured enterprises,expanding the scope of liability,and reasonably setting exclusion responsibilities,aiming to achieve risk sharing,safety win-win,and drive the green transformation of enterprises.

关 键 词：环境污染强制责任保险 责任范围 除外责任 

分 类 号：D922.68[政治法律—环境与资源保护法学]