【摘要】：隨著社會經(jīng)濟的發(fā)展，，我國已進入了環(huán)境污染事故高發(fā)期。根據(jù)國家環(huán)�？偩止嫉馁Y料，我國的河流、河段已有近1/4因污染而不能滿足灌溉用水要求，全國湖泊約有75%的水域受到顯著污染。據(jù)權(quán)威部門估算，我國每年由于環(huán)境污染造成的直接經(jīng)濟損失達1200億元。無獨有偶，華北霧霾，京津冀魯投入50億聯(lián)合治霾，河北是重災(zāi)區(qū)，污染前十名河北穩(wěn)定地占據(jù)7席，在此看來，治污刻不容緩。而環(huán)境責(zé)任保險則給不堪重負(fù)的環(huán)境壓力帶來了希望，發(fā)展環(huán)境責(zé)任保險能夠有效降低環(huán)境糾紛的交易成本，及時對受害人進行賠付，從而有效維護公眾的環(huán)境權(quán)益。因此如何推廣環(huán)境責(zé)任保險并且在全省甚至全國范圍內(nèi)廣泛而有效的實施變得非常急切。 本文首先從保險學(xué)基本理論角度對環(huán)境責(zé)任保險的內(nèi)涵、特征等方面進行了介紹，接下來分析了環(huán)境責(zé)任保險發(fā)展的作用，還從發(fā)展環(huán)境責(zé)任保險的必要性和可行性中詳細(xì)闡述，并從以上各方面分析了發(fā)展我國環(huán)境責(zé)任保險的優(yōu)勢環(huán)境。然后主要是對國內(nèi)環(huán)境責(zé)任保險以及國外環(huán)境責(zé)任保險的發(fā)展歷程進行了詳細(xì)的介紹，從中借鑒并總結(jié)啟示，為河北省環(huán)境責(zé)任保險的發(fā)展方向做出正確的指引。對河北省環(huán)境責(zé)任保險的內(nèi)外部、評定條件、地域條件等各方面的影響因素進行分析，并找到河北省環(huán)境責(zé)任保險發(fā)展中遇到的具體問題。最后，基于河北省環(huán)境責(zé)任保險的現(xiàn)狀提出發(fā)展河北省環(huán)境責(zé)任保險的具體對策：完善法律體系、加強政策支持、加強宣傳力度、擴大市場需求范圍以及調(diào)整保險公司投保環(huán)節(jié)等。通過本文對環(huán)境責(zé)任保險的研究和探索，以期能夠為河北省環(huán)境責(zé)任保險市場的進一步發(fā)展做出貢獻。
[Abstract]:With the development of social economy, China has entered a period of high incidence of environmental pollution accidents. According to the data released by the State Environmental Protection Administration, nearly a quarter of the rivers and reaches of our country cannot meet the requirement of irrigation water because of pollution. About 75% of the lakes in China are polluted significantly. According to the estimate of authoritative department, the direct economic loss caused by environmental pollution in our country is 120 billion yuan each year. Coincidentally, North China haze, Beijing-Tianjin-Hebei and Shandong invested 5 billion in the combined treatment of haze. Hebei is a serious disaster area, and the top 10 polluters in Hebei occupy 7 seats stably, so it is urgent to deal with pollution. The environmental liability insurance brings hope to the unbearable environmental pressure. The development of environmental liability insurance can effectively reduce the transaction costs of environmental disputes and pay compensation to the victims in time so as to effectively protect the environmental rights and interests of the public. Therefore, how to popularize the environmental liability insurance and implement it widely and effectively in the whole province and even the whole country becomes very urgent. This paper first introduces the connotation and characteristics of environmental liability insurance from the basic theory of insurance, and then analyzes the role of the development of environmental liability insurance. It also expounds the necessity and feasibility of developing environmental liability insurance in detail, and analyzes the superior environment of developing environmental liability insurance in China from the above aspects. Then it introduces the development course of domestic environmental liability insurance and foreign environmental liability insurance in detail, draws lessons from it and sums up the inspiration, and makes a correct guide for the development direction of Hebei Province environmental liability insurance. This paper analyzes the influencing factors of environmental liability insurance in Hebei Province, such as internal and external factors, evaluation conditions and regional conditions, and finds out the specific problems encountered in the development of environmental liability insurance in Hebei Province. Finally, based on the current situation of environmental liability insurance in Hebei Province, the author puts forward some specific countermeasures for the development of environmental liability insurance in Hebei Province: perfecting the legal system, strengthening policy support, and strengthening publicity. Expand the scope of market demand and adjust insurance company insurance links and so on. Through the research and exploration of environmental liability insurance in this paper, we hope to contribute to the further development of environmental liability insurance market in Hebei Province.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.69

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