广西环境污染责任强制保险研究

发布时间：2018-03-16 07:49

本文选题：广西　切入点：环境污染责任　出处：《广西大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来,全球环境污染问题日益严峻,雾霾等恶劣天气已逐渐给人们的身心造成严重伤害。随着法制的不断完善,人们对环境污染侵权责任的认识也不断加深,环境污染责任保险受到了广泛关注。2008年,我国开始在江苏、湖南、湖北、河南、重庆、深圳、宁波和沈阳等地开展环境污染责任保险试点工作,但该工作一直未取得有效进展。广西作为我国西部省区,经济发展相对落后,使得环责险的开展工作备受艰难。为此,研究广西环境污染责任强制险时不我待、意义重大。本文首先收集了国内外关于强制险和环责险的大量研究报告,并对环境污染责任保险的内涵和功能等进行了分析描述。其次,研究了美国、瑞典、德国、英法等西方发达国家经营环责险的实践过程及经验,分析了我国首次试点环责险的省市——广东、湖南、湖北、河北和江苏的经营状况。在此基础上,本文对国内外环境污染责任保险的经营状况进行了对比研究,分析了造成两者差距的主要原因,并指出了值得学习的相关经验。本文还指出广西环境污染风险敞口主要来自于重金属污染、海洋污染和生活垃圾污染等风险,并分析了这些风险在广西的地域分布情况。最后,借鉴国内外优秀理论和经验,结合广西自身的环境风险敞口、高危企业的经营状况及地域分布等特点,提出了设计符合广西自身需求的环境污染责任强制保险,并对保险主体(政府、保险人、被保险人)各自扮演的角色、作用和要求；保险内容(承保范围、责任限额和免赔额、索赔时效、保费厘定)的设计原则与注意事项；保险种类及各种配套机制等进行了深入剖析。
[Abstract]:In recent years, the problem of global environmental pollution is becoming more and more serious, and severe weather such as haze has caused serious damage to people's body and mind. With the continuous improvement of legal system, people's understanding of tort liability for environmental pollution has been deepened. In 2008, China began to carry out the pilot work of environmental pollution liability insurance in Jiangsu, Hunan, Hubei, Henan, Chongqing, Shenzhen, Ningbo and Shenyang. However, this work has not made any effective progress. Guangxi, as a western province of China, is relatively backward in economic development, which makes the development of environmental liability insurance very difficult. Therefore, it is of great significance to study the compulsory insurance of environmental pollution liability in Guangxi. This paper first collected a large number of research reports on compulsory insurance and environmental liability insurance at home and abroad, and analyzed and described the connotation and function of environmental pollution liability insurance. Secondly, it studied the United States, Sweden, Germany, etc. The practical process and experience of the management of environmental liability insurance in western developed countries, such as Britain and France, are analyzed. Based on this, the operating situation of Guangdong, Hunan, Hubei, Hebei and Jiangsu provinces and cities of China's first pilot environmental liability insurance is analyzed. This paper makes a comparative study on the operating conditions of liability insurance for environmental pollution at home and abroad, and analyzes the main reasons for the gap between the two. The paper also points out that the exposure to environmental pollution in Guangxi mainly comes from the risks of heavy metal pollution, marine pollution and domestic refuse pollution, and analyzes the regional distribution of these risks in Guangxi. Based on the excellent theory and experience at home and abroad, combined with the characteristics of Guangxi's own environmental risk exposure, the management status and regional distribution of high-risk enterprises, the design of compulsory liability insurance for environmental pollution in accordance with Guangxi's own needs is put forward. And the main body (government, insurer, insured) of the role, role and requirements, insurance content (coverage, liability limit and deductible amount, limitation of claims, premium determination) design principles and matters needing attention; The types of insurance and various supporting mechanisms are deeply analyzed.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.69

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