环境责任保险的负面效应及其规避

环境责任保险除了具有分散损失和强化环境管理的功能外,还可能引发道德风险：如环境责任保险会淡化被保险人对社会的责任感,引发企业间的不公平竞争,削弱民事责任制度的惩戒功能。分析了环境责任保险引发的道德风险的实质,并提出了相应的规避措施,如加强保险公司的监管,限定承保范围,采取差别保险费率和最高限额赔偿等制度,以求抑制环境责任保险的负面效应。参10

Negative effect of environment liability insurance and elusion

The environmental liability insurance could not only dilute the loss and enhance the environ-mental management,but also bring about moral risks such as reduction of the social responsibility of the insurant,unfair competition among the companies and weakening of the punishment and warning function of civil liability system.The paper analyzed the nature of moral risks caused by the environmental liability in-surance and put forward the corresponding elusion measures such as strengthening the supervision of insur-ance companies,limiting the covered insurance range,adopting different insurance premium rate and the maximum compensation,to control the negative effect of environmental liability insurance.Ch,10 ref.]