基于环境污染责任保险的环境风险评估研究进展

环境风险评估是环境污染责任保险制度实施和应用的重要环节,是一种为投保人和承保人量化环境风险的方法,量化结果是保险公司厘定保费的重要参考依据。随着环境污染责任保险的发展和推广,构建适用于环境污染责任保险的环境风险评估体系逐渐成为当前的研究热点之一,但目前针对环境污染责任保险环境风险评估缺乏深入系统的研究与总结。在已有研究基础上,本文进一步明确环境污染责任保险环境风险评估内涵及特征,并对其评估体系进行科学界定,简要评述当前环境污染责任保险环境风险评估的相关研究主题,并在已有模型和方法基础上构建环境污染责任保险环境风险评估的理论框架,最后在总结当前研究不足的前提下,探讨未来环境污染责任保险环境风险评估的研究趋势,为环境污染责任保险的实施和应用提供思路和参考。

Research Progress of Environmental Risk Assessment Based on Environmental Pollution Liability Insurance

Environmental risk assessment is an important link in the implementation and application of environmental pollution liability insurance. It is a method for policyholders and underwriters to quantify environmental risks. The assessment results are an important basis for determining premiums. With the development and promotion of environmental liability insurance, the construction of environmental risk assessment system applicable to environmental liability insurance has gradually become a hot research topic, but there are still lack in further systematic study about environmental risk assessment of environmental liability insurance. Based on the existing research, this article analyzed the connotation and characteristics of environmental risk assessment of environmental liability insurance, and scientifically defined its components. Then, it briefly reviewed the relevant research topics of environmental risk assessment of environmental liability insurance. Moreover, it built a theoretical framework of environmental risk assessment for environmental liability insurance based on the existing models and methods. Finally, it analyzed and proposed the existing deficiencies and future research perspectives, providing new ideas for future research on environmental risk assessment of environmental liability insurance.