我国绿色保险模式选择研究

发布时间：2018-06-07 22:51

本文选题：绿色保险 + 环境污染　；参考：《安徽财经大学》2013年硕士论文

【摘要】：随着低碳经济和金融市场的飞速发展,绿色保险作为一种新的“绿色金融”产品,已成为保险业开辟新市场和提高盈利能力的重要手段。面对经济高速增长下日益严重的环境侵权损害问题,我国却尚未建立起有实质意义的绿色保险制度,绿色保险保费收入在财产保险中所占比例还不到3%。总体来说,绿色保险在我国的试点并不成功,主要原因是绿色保险在试点地区基本上采取的是任意责任保险模式,已远不适合我国环境污染日益严重的现状。因此,研究我国绿色保险经营模式,既有助于推进低碳经济的发展,也有助于环境保护的市场化研究,具有较强的现实意义。本文首先从绿色保险产品的基本理论出发,介绍绿色保险的基本界定,绿色保险与环境风险管理的关系,对绿色保险在我国试点地区的发展现状及存在的问题进行分析。其次,通过对国外发达国家绿色保险的发展状况、存在的主要几种模式简要的阐述,同时从承保范围、赔偿范围、保额、费率及责任免除等绿色保险条款方面进行比较分析,进而总结经验并得出对我国的启示,即环境风险的危害程度、保险业的发展程度及健全的法制都会影响绿色保险模式的选择。在低碳经济时代下我国选择强制与任意相结合的绿色保险发展模式是适合我国的具体国情的,在性质上定位为政策扶持下的商业化运作,科学组建承保机构,逐渐扩展承保范围及不断创新绿色保险新险种,并提出绿色保险的风险化解机制。最后,针对绿色保险在试点中存在的问题,提出实行赔偿责任限额制、科学合理地确定保险费率、适当延长索赔时效、健全环境污染责任立法、完善保险市场及转变政府职能等相关建议。
[Abstract]:With the rapid development of low-carbon economy and financial market, green insurance, as a new "green finance" product, has become an important means for the insurance industry to open up new markets and improve profitability. In the face of the increasingly serious problem of environmental tort damage under the rapid economic growth, China has not yet established a substantial green insurance system. The proportion of green insurance premium income in property insurance is less than 3%. Generally speaking, the green insurance in our country is not successful, the main reason is that the green insurance in the pilot area basically adopts the arbitrary liability insurance mode, which is far from suitable for the situation of our country environmental pollution day by day serious. Therefore, it is of great practical significance to study the management mode of green insurance in China, which is not only helpful to promote the development of low-carbon economy, but also to the marketization of environmental protection. This paper introduces the basic definition of green insurance, the relationship between green insurance and environmental risk management, and analyzes the development status and existing problems of green insurance in China's pilot areas. Secondly, through the development of green insurance in foreign developed countries, the main modes of existence are briefly described, and at the same time, the green insurance clauses, such as coverage, compensation scope, insurance amount, rate and exemption of liability, are compared and analyzed. Then, the author summarizes the experience and draws the enlightenment to our country, that is, the harm degree of environmental risk, the development degree of insurance industry and the sound legal system can all influence the choice of green insurance mode. In the era of low carbon economy, it is suitable for our country to choose the development mode of green insurance which combines compulsion with arbitrary combination. In nature, it is positioned as the commercial operation supported by policy, and the scientific establishment of underwriting institution. The scope of insurance is gradually expanded and the new type of green insurance is innovated, and the risk resolution mechanism of green insurance is put forward. Finally, in view of the problems of green insurance in the pilot project, this paper puts forward to implement the limitation system of compensation liability, determine the insurance rate scientifically and reasonably, extend the limitation of claim appropriately, and perfect the legislation of environmental pollution liability. Improve the insurance market and change government functions and other relevant suggestions.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.6

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