本文選題：環(huán)境污染責(zé)任保險　切入點：保險責(zé)任范圍　出處：《廣西大學(xué)》2014年碩士論文

【摘要】：自21世紀(jì)以來,我國環(huán)境污染事故頻發(fā),且呈現(xiàn)愈演愈烈的態(tài)勢,環(huán)境問題成為公眾關(guān)注的焦點,改善環(huán)境己成為當(dāng)務(wù)之急。而環(huán)境污染責(zé)任保險具有分散轉(zhuǎn)移風(fēng)險的功能,是化解環(huán)境風(fēng)險的利器。自其擴大試點以來,在全國范圍內(nèi)快速推廣,但該保險的承保責(zé)任過窄,費率偏高,產(chǎn)品同質(zhì)化現(xiàn)象嚴(yán)重。希望通過對該保險開發(fā)所遇問題進(jìn)行深層次分析,從而提出一套更加完善的環(huán)境污染責(zé)任保險開發(fā)方案。 首先,本文對環(huán)境污染責(zé)任保險的特點、可保風(fēng)險、承保范圍、需求因數(shù)、供給決定因數(shù)、種類設(shè)置及其相關(guān)理論做了系統(tǒng)性分析,介紹了我國該保險的發(fā)展?fàn)顩r,闡述了該保險開發(fā)中存在的問題,并對其成因進(jìn)行了深層次分析。其次,比較介紹了美國、英法、德國等發(fā)達(dá)國家環(huán)境污染責(zé)任保險開發(fā)狀況,從保險責(zé)任范圍、承保機構(gòu)、索賠時效、投保方式等方面作了專門介紹,為我國該保險開發(fā)提供思路。再次,基于以上分析,闡述了該保險條款的設(shè)計原則并且對爭議條款進(jìn)行重新設(shè)計；劃分了環(huán)境污染行業(yè)及企業(yè)的風(fēng)險等級,并以石油化工行業(yè)的損失數(shù)據(jù)為基礎(chǔ),采用非壽險精算定價方法,測算出石油化工行業(yè)的環(huán)境污染責(zé)任保險平均損失；根據(jù)中國人保財險條款和平安財險條款實踐,得出該保險的風(fēng)險附加費率和費用附加費率,從而厘定石油化工行業(yè)的平均費率；在此基礎(chǔ)上,根據(jù)承保金額和企業(yè)風(fēng)險等級的不同,厘定了石油化工行業(yè)的環(huán)境污染責(zé)任保險分級分類費率,同時將該方法推廣到其它環(huán)境污染行業(yè)的費率厘定。最后,得出研究結(jié)論,并對該保險開發(fā)提出了以下建議,建立健全該保險的法律體系,妥善解決知識產(chǎn)權(quán)問題,組建聯(lián)合承保機構(gòu),構(gòu)建高效的產(chǎn)品開發(fā)隊伍,強化銷售推廣措施和重視承保理賠管理方法。
[Abstract]:Since the 21st century, environmental pollution accidents have occurred frequently in China and become increasingly fierce. Environmental problems have become the focus of public attention, and improving the environment has become a top priority.Environmental pollution liability insurance has the function of dispersing and transferring risks, and it is a sharp weapon to resolve environmental risks.Since the expansion of the pilot project, it has been rapidly popularized throughout the country, but the underwriting liability of the insurance is too narrow, the rate is on the high side, and the phenomenon of product homogeneity is serious.It is hoped that through the deep analysis of the problems encountered in the development of the insurance, a more perfect scheme for the development of the liability insurance for environmental pollution will be put forward.Firstly, this paper makes a systematic analysis of the characteristics, insurable risk, coverage scope, demand factor, supply determinant factor, category setting and related theories of environmental pollution liability insurance, and introduces the development of this insurance in China.This paper expounds the problems existing in the development of the insurance, and makes a deep analysis of the causes.Secondly, it compares the development of environmental pollution liability insurance in developed countries, such as the United States, Britain, France, Germany and other developed countries, and makes a special introduction in terms of the scope of insurance liability, the insurer, the limitation of claims, the way of insurance, and so on.To provide ideas for the development of this insurance in China.Thirdly, based on the above analysis, this paper expounds the design principle of the insurance clause and redesigns the controversial clause, classifies the environmental pollution industry and the enterprise risk grade, and based on the loss data of petrochemical industry,By using non-life insurance actuarial pricing method, the average loss of environmental pollution liability insurance in petrochemical industry is calculated, and according to the practice of China PICC property insurance clause and Ping an property insurance clause, the additional risk rate and the additional cost rate of the insurance are obtained.On the basis of this, according to the difference of insured amount and enterprise risk grade, the classification rate of environmental pollution liability insurance in petrochemical industry is determined.At the same time, the method is extended to other environmental pollution industries.Finally, the conclusion is drawn, and the following suggestions are put forward for the development of the insurance, such as establishing and perfecting the legal system of the insurance, properly solving the problem of intellectual property rights, setting up joint underwriting institutions, and constructing an efficient product development team.Strengthen sales promotion measures and pay attention to underwriting claims management methods.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.69

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 黃小敏;;環(huán)境污染責(zé)任保險補貼的政策需求與制度供給[J];南方金融;2012年09期

2 唐金成;江宏業(yè);;北部灣地區(qū)實施環(huán)境污染責(zé)任強制保險研究——基于龍江河鎘污染的思考[J];區(qū)域金融研究;2013年02期

3 竺效;;實踐環(huán)境責(zé)任保險須再保險配套立法[J];環(huán)境保護;2008年07期

4 李華友;;中國環(huán)境污染責(zé)任保險的發(fā)展動態(tài)與工作重點[J];環(huán)境保護;2009年02期

5 何燕;;實施環(huán)境污染責(zé)任保險的困境與出路[J];環(huán)境保護;2010年08期

6 趙淑莉;韓小錚;秦承華;陳敏敏;傅德黔;;近年來我國環(huán)境污染事件淺析[J];環(huán)境與可持續(xù)發(fā)展;2012年03期

7 洪賀;試論環(huán)境責(zé)任保險制度[J];黑龍江金融;2004年06期

8 易令正;;我國實施環(huán)境污染責(zé)任保險機制初探[J];金融理論與實踐;2009年04期

9 陳凌,何燕;環(huán)境責(zé)任保險研究[J];內(nèi)蒙古環(huán)境保護;2002年03期

10 滕靜;周躍;;強化環(huán)境風(fēng)險等級制度 推進(jìn)重點行業(yè)環(huán)境風(fēng)險評估[J];環(huán)境保護;2010年08期

，

本文編號：1716430