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实施环境责任保险制度是我国发展循环经济的有效环境经济手段之一。通过责任保险的方式将环境污染责任风险社会化,对保证环境质量、促进循环经济的发展具有多重意义。但目前我国在发展环境责任保险中存在着产品有效供给不足、企业的有效需求得不到满足、保险的经营成本过高、配套法律支持缺失、企业投保积极性不高等问题。因此,迫切需要从合理选择投保方式、增强产品研发和科学厘定费率、控制保险的经营风险、加强各组织机构间的协调和执行,以及完善配套的法律法规体系、发挥政府的主导作用等方面构建一整套完整成熟的环境责任保险体系。
Implementing the system of environmental liability insurance is one of the effective environmental economic measures for the development of circular economy in our country. Social responsibility of environmental pollution liability through the way of liability insurance has multiple meanings for ensuring environmental quality and promoting the development of circular economy. However, at present, there are some problems in the development of environmental liability insurance such as the insufficient supply of products, the unsatisfied effective demand of enterprises, the high operating costs of insurance, the lack of supporting legal support and the low enthusiasm of enterprises. Therefore, there is an urgent need from the reasonable choice of insurance methods to enhance product development and scientifically determine the rates, control the insurance business risks, strengthen the coordination and implementation of the various organizations and institutions, as well as improve the supporting laws and regulations to play a leading role in government Build a complete set of mature environmental liability insurance system.