论环境污染责任保险制度

环境污染责任保险可以分散风险，使企业的损害赔偿责任由社会来分担，避免企业因巨额赔偿而破产，同时又能给受害者迅速、有效的救济。主要分析了该制度产生与发展的原因、功能和特点，及西方国家环境责任保险的主要模式。针对我国环境污染责任保险的现状，提出了制定强制责任保险，扩大责任保险范围，合理确定保险费率，加强环境法制建设等完善对策。参7

On environmental pollution related liabilities insurance system

The liabilities insurance system of the environmental pollution can disperse the risk.The environmental indemnity duty of enterprise will be shared with the society to prevent the enterprise from bankrupting due to a huge sum of compensation.The victim relief can be given quickly and effectively.The causes of the development of the liabilities insurance system,its function and characteristices,and the main models in western countries are analyzed.In accordance with the current situation in our country,the following measures have been put forward:(1)to establish a compulsory liabilities insurance system;(2)to enlarge the scope of liabilities insurance;(3)to reasonably determine the insurance cost;(4)to reinforce the construction of an environmental legal system.