【摘要】 环境污染责任保险承保渐进性污染是大势所趋,但是渐进性污染在可保性和可操作性上确实存在着一定的障碍。从风险可保性条件看,渐进性污染不符合风险的未来性和同质性,此外渐进性污染可能使多个保险标的同时发生损失并且可能造成过大的损失;从现实可操作性看,承保渐进性污染面临着损失不确定、保险公司承保能力不足、保险费率难以厘定以及道德风险和逆向选择等障碍。但是这些障碍都可以通过制度设计克服,应当通过以索赔基础制代替事故基础制、建立风险分散制度、保险人积极采取风险管理措施以及厘定保险费率等手段将渐进性污染纳入我国环境污染责任保险的承保范围。更多还原

【Abstract】 It is a general trend for environmental pollution liability insurance to underwrite progressive pollution. However, there are some obstacles in insurability and operability of progressive pollution. In terms of the insurability of risk, progressive pollution does not accord with the future and homogeneity of risk. In addition, progressive pollution may cause loss of multiple insured objects at the same time and may cause excessive loss. From the perspective of practical operability, underwriting progressive pollution is confronted with obstacles such as uncertain loss, insufficient underwriting capacity of insurance companies, difficulty in determining insurance rates, moral hazard and adverse selection. However, these obstacles can be overcome through system design, and progressive pollution should be brought into the coverage of environmental pollution liability insurance in China by means of replacing the accident-based system with the claim-based system, establishing the risk dispersion system, taking active risk management measures and determining the insurance rate.更多还原