中国财产保险业巨灾损失赔付能力实证分析

商业保险是社会化巨灾风险分散机制的重要组成部分,要在中国现阶段巨灾事件频发的复杂环境中构建合理的损失分摊机制,不能不考虑以损失补偿为主要功能的财产保险业应对巨灾损失的能力。在Cummins、Doherty和Anita的保险赔付能力度量模型框架及改进后的损失对数正态分布假设下,引入1998～2008年中国财产保险业经营数据,对2009年初时点上在中国大陆经营财产保险业务的39家财产保险公司及全行业巨灾损失赔付能力进行了实证分析。结果显示,由于全行业资本与盈余的低水平以及再保险市场发展的严重滞后,在1 200亿到2 000亿元的损失区间内,中国财产保险业的赔付能力缺口在26.8亿到815.6亿元之间,且缺口增长速度大于损失增长速度。通过与2008年初的赔付能力实证分析结果对比发现,灾害频发的2008年客观上显著降低了中国财产保险行业应对极端损失的能力。度量结果从实证基础上昭示了政府大力扶持和参与巨灾保险体系建设的必要性和紧迫性。     

Coexistence of Plants and Coexistence of Farmers: Is an Individual Choice Possible?

The introduction of genetically modified organisms (GMOs) in Europe has been characterized by controversy. In 2002, the European Union introduced the concept of “coexistence” as a compromise solution that, through the establishment of science-based technical measures, should allow the market to operate freely while reducing policy conflicts on GMOs. However, the concept remains highly contested and the technical measures difficult to apply. This paper presents qualitative research on the conceptualization and implementation of the coexistence framework in two regions of Spain (Catalonia and Aragon), where 42% and 55% of maize was GM in 2006, respectively. In this context, the concept of coexistence and its proposed implementation both fail to resolve previous conflicts and actually work to generate new ones through the individualization of choice and impacts. Considerations of the social conditions in which the technology and the management measures are implemented were not taken into account. This resulted in the promotion of biotechnological agriculture over other alternatives.     

Application of a value-based equivalency method to assess environmental damage compensation under the European Environmental Liability Directive

The Environmental Liability Directive (ELD) establishes a framework of liability based on the ‘polluter-pays’ principle to prevent and remedy environmental damage. The ELD requires the testing of appropriate equivalency methods to assess the scale of compensatory measures needed to offset damage. The aim of this paper is to contribute to fill the existing knowledge gap on the application of the value equivalency approach for damage compensation in this context. We analyze the toxic spill damaging the Doñana National Park (Spain) in 1998. The welfare losses associated with the resource damage are estimated using non-market valuation and compared to the value of the compensatory measures taken after the accident. Our results show that the in-kind compensation may have been insufficient to offset the welfare losses. We conclude that a more comprehensive knowledge of the human welfare effects caused by environmental damage is of substantial importance to determine compensatory remediation, as insufficient information in this respect can lead to erroneous decisions causing loss to society.     

沈阳市环境污染责任保险推进工作的探索与实践

在全面介绍沈阳市环境污染责任保险推进情况的基础上,论述了沈阳市参加保险企业的确定原则、推进方法及配套政策措施,并结合当前沈阳市该险种推进过程中存在的问题,提出了选择适合的环境污染责任保险模式、加强环保部门与保险行业的合作、将环境污染责任险融入到环境管理工作中等建议及对策。     

我国煤矿安全生产领域构建保险体系的探讨

我国煤矿事故多发且后果严重,其安全生产形势严峻,而煤矿安全生产领域的工伤保险体制却存在着一些问题和不足。本文将我国煤矿现有的工伤保险与强制雇主责任保险相结合,提出了构建二元化的保险体系,即针对现有的工伤保险,结合煤矿安全生产的特点,建立主成分分析和聚类分析划分风险等级的模型,用来确定工伤保险费率,强调费率对企业安全状况的反馈,并充分利用工伤保险基金从技术上改进煤矿安全生产状况,同时引入强制雇主责任保险以便有效地转嫁矿难所带来的巨大风险。通过构建新的保险体系用来改善我国目前严峻的煤矿安全生产状况。     

黑龙江三江自然保护区湿地保护法律问题研究

长期以来,黑龙江三江自然保护区湿地由于人口的增长、经济开发活动频繁增加,社会公众和管理者对湿地的功能和综合价值缺乏足够的认知,对其只是索取,而缺乏有效的保护,致使湿地生态环境发生了重大变化,造成水环境污染严重,土壤沙化、盐碱化面积不断扩大,灾害性气候频繁发生,动植物等生物多样性急剧减少,这与中国可持续发展的战略主旨及世界潮流相悖.在此,对黑龙江三江自然保护区湿地的现存问题进行分析,以期通过完善区域专项立法、建立湿地专管机构和湿地管理专项资金、完善管理协调机制、建立湿地环境影响评价制度和生态补偿制度、完善环境保护相关法律责任等途径,切实做到对湿地的保护和开发利用并重.     

自然资源资产负债表编制的理论与实践

自然资源资产负债表在国内外都是一个全新的课题,然而学术界关于自然资源核算、环境经济核算、国家资产负债表编制和生态系统服务评估等方向的研究由来已久,为我国自然资源资产负债表的编制提供了大量可资借鉴的学术成果。本文在综述相关领域研究进展的基础上,基于会计学、经济学、资源环境科学等学科视角论述了自然资源资产负债表编制的理论基础,辨析了自然资源资产、负债和净资产等核心概念的内涵,从基本假设、表式结构、数据来源等方面探讨了自然资源资产负债表的框架体系,并回顾了当前自然资源资产负债表编制的实践经验,以期为深化自然资源资产负债表研究提供科学参考。     

Valuing environmental damage remediation and liability using value estimates for ecosystem services

The European Environmental Liability Directive aims to ensure that damaged habitats are restored where possible, but allows for complementary remediation with replacement habitat where restoration is not possible within a reasonable time. It also allows for compensatory remediation of the resource based on an assessment of environmental values in cases where there are interim social losses. This paper concurs with the argument that physical remediation without consideration of social values can fail to be equivalent to the resource that has been lost. Using, as a case study, a river in Ireland, it demonstrates that estimating social value can be challenging in practice, noting also differences between the value of environmental gains and losses. The paper argues that estimates of final ecosystem service values, including wastewater treatment costs, can provide a measure of social value and makes a case for the systematic collection of these data to inform decision-making.     

杀虫剂类POPs废物及污染场地治理共同责任研究

杀虫剂类POPs废物的环境无害化处置及其污染场地的治理是我国履行POPs公约的国家行动计划(NIP)的重要内容。我国POPs废物产生的责任主体主要是历史上的企业,企业经过了很大的变革,因而产生的POPs废物及其污染场地不同于现有工业企业产生的危险废物,需要根据历史、现状以及未来发展的特点建立新的责任制度,确立治理责任,落实治理资金。从我国杀虫剂类POPs废物和污染场地的现状调研出发,分析国内外相关法律规定中责任分担制度及原则,提出建立我国杀虫剂类POPs废物及其污染场地治理的"共同责任制度",为POPs废物的环境管理提供理论支持。     

Legal and regulatory challenges in the implementation of CO2 geological storage: An Alberta and Canadian perspective

Alberta is the province with the largest CO₂ emissions in Canada, with approximately two-thirds of emissions originating from large stationary sources. Due to the fortuitous association of large CO₂ sources with the storage capacity offered by the underlying Alberta basin, it is expected that large-scale CO₂ geological storage in Canada will occur in Alberta first, and both levels of governments are contemplating measures to facilitate implementation. A review of the current provincial and federal legislation and regulations presented in this paper indicates that the existing legal and regulatory regime is reasonably sufficient, with some modifications, to accommodate the active injection phase of CO₂ capture and storage (CCS) operations, and the early takers of this new technology. However, governments in Alberta and Canada, and likely everywhere, need to address several pressing issues dealing mainly with the CCS post-operational phase. These issues, reviewed in this paper from an Alberta and Canadian perspective, fall into several categories: jurisdictional, property (ownership), regulatory and liability. Because Alberta is a landlocked province, matters relating to CO₂ storage under the seabed will not be addressed here except when discussing matters of jurisdiction and CO₂ classification. Possible models for post-injection liability transfer to the state are also presented. Although this review is focused on western Canada conditions, the issues are broad enough to be of interest in other jurisdictions, which may also adopt parts of the legal and regulatory framework that is quite well developed in Alberta.