【摘要】 环境污染强制责任保险制度建立在侵权行为法理论与责任保险理论联结的基础上,风险社会背景、侵权责任社会化、责任保险以及强制性保险等社会制度条件的成熟有利于我国现阶段该险种的推行。其本质上是基于环境侵权责任的一种分散环境风险的法律技术,遵循责任保险基础理论,修正适用诚实信用原则、保险利益原则以及优先保护受害第三人利益原则。环境污染强制责任保险的承保范围应纳入渐进性污染造成的人身、财产损失以及生态环境损害,除外责任应细分为法定除外责任和约定除外责任。《环境污染强制责任保险管理办法(草案)》的相应规定应予完善,并在下一阶段以立法模式发展该险种。更多还原

【Abstract】 The Compulsory Liability Insurance System for Environmental Pollution is based on the combination of Tort Law theory and Liability Insurance theory. The maturity of social system conditions such as risk social background,socialization of tort liability, liability insurance and compulsory insurance is conducive to the implementation of this kind of insurance in China at this stage. Essentially, it is a legal technology to disperse environmental risk based on Environmental Tort Liability. It follows the basic theory of Liability Insurance and amends the Principles of Good Faith,Insurance Interest and priority protection of the interests of the injured third party. The scope of Compulsory Liability Insurance for Environmental Pollution should include personal and property losses caused by progressive pollution and ecological environment damage. The exclusion liability should be subdivided into statutory exclusion liability and agreed exclusion liability. The relevant provisions of the Draft Regulations on Mandatory Liability Insurance for Environmental Pollution should be perfected, and this kind of insurance should be developed in a legislative mode in the next stage.更多还原