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Effects and Choices of Environmental Pollution Liability Insurance in Provinces of China

机译：中国省份环境污染责任保险的影响与选择

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摘要

China began a pilot application for environmental pollution liability insurance in 2008. Although implementation situations vary substantially in different regions in China, it is appropriate to test how much contribution pollution insurance may make to environmental risk mitigation and other factors. Based on an analysis of pollutant emissions and investment completed in the treatment of industrial pollution, we find that pollution liability insurance, both compulsory and voluntary, does not work as expected in reducing environmental pollution. The value of this insurance mainly lies on the concern of the government for victims in environmental disasters. Considering the high administrative costs, it is not proper to push compulsory insurance across the country indiscriminately. Thus, this paper further classifies all 31 provinces in mainland China according to their economy and pollution characteristics and establishes guidelines for adopting pollution insurance for each province. The result shows that compulsory insurance is unnecessary for most provinces, while voluntary insurance can match their needs better.
机译：2008年，中国开始对环境污染责任保险的试点申请。虽然中国的实施情况大幅取得各种各样的不同地区，但仍然需要测试多少贡献污染保险，以对环境风险缓解和其他因素。根据对工业污染治疗完成的污染物排放和投资的分析，我们发现污染责任保险，义务责任保险，义务责任保险在减少环境污染时不起作用。本保险的价值主要是政府对环境灾害受害者的关注。考虑到高行政费用，不分青红皂白地推动全国范围内的强制保险是不合适的。因此，本文根据其经济和污染特征，对中国大陆的所有31个省份进行了分类，并建立了对每个省采用污染保险的准则。结果表明，大多数省份不需要强制保险，而自愿保险可以更好地匹配他们的需求。

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