As far as chemical companies are concerned, pollution is the biggest concern and the biggest risk for companies. At present, the public’s awareness of environmental protection is increasing day by day, and the construction of chemical companies is also more cautious and focused. In this context, once a major environmental pollution incident occurs, all grass and water will be forced.
Therefore, the governance of chemical pollution has become a full-scale war: From a legal perspective, many relevant laws and regulations have been successively introduced in recent years; on the government side, officials are the most "inspective" chemical companies; from the corporate point of view, to strengthen pollution Governance can also be said to spare no effort. But there still seems to be a lack of strength - the power of the market. Since pollution is a problem that arises in the course of business operations in the market, it is of course indispensable to use market means to deal with pollution. Therefore, the introduction of liability insurance mechanisms for environmental protection is both necessary and inevitable.
But frankly speaking, all those who use sophisticated market techniques in developed countries and use them directly in China will appear clumsy. The market is our weakness. The issue of environmental liability insurance products is also a problem. If we want to change this situation and really make good use of the market, we need to rely on multiple channels such as legal and administrative channels.
Improve relevant laws and regulations on environmental liability insurance as soon as possible. It now appears that companies and insurance companies have a fear for environmental liability insurance. The fundamental reason is that the legal status of such insurance is not clear. In the developed countries, environmental liability insurance is clearly defined in the form of legislation. It is recommended that the law can draw on current road traffic insurance models, enterprises that produce, manage, store, transport, and use hazardous chemicals, petrochemical companies that are prone to pollution accidents, hazardous waste disposal companies, and companies that have experienced major pollution accidents in recent years. Implement compulsory insurance; implement voluntary insurance for industries and enterprises that are less polluting. At the same time, the law must also impose clear constraints on the insurance mechanism and regulate its operation.
Establish an environmental accident assessment and damage mechanism. Name is correct, but also made it straight. The assessment of environmental accidents' damages is the key to whether the environmental liability insurance mechanism can be successfully carried out under the law. Enterprises are reluctant to take this type of insurance. The most fearful situation is that “when the money is collected, the company is really happy and pushes the company to push the marketâ€. This is caused by the incompleteness of the accident assessment damage mechanism. In the event of an accident, the government and the environmental protection department have political achievements and the insurance institutions have economic interests. If there is an independent, publicly-reliable damage assessment agency capable of adopting scientific methods for the analysis of pollution and harmful factors, environmental damage appraisal, and liability determination, it will be possible to avoid the occurrence of four-in-four phenomenon by the companies and the insurance companies. It can help companies to escape from the lengthy accident handling as soon as possible. As a result, environmental liability insurance will certainly be welcomed by enterprises.
Strengthen the government's guiding role. For a long period of time, our government has played the role of firefighters for risk accidents and pay for major environmental damages. This role is actually misplaced. The role of government departments should play in the formulation of laws and the determination of rules. For example, the establishment of an independent, credible damage assessment mechanism for environmental accidents depends on the government. The government has done a good job in this matter. An environmental responsibility insurance mechanism that is willing to be willing for enterprises and insurance agencies can be established.
Therefore, the governance of chemical pollution has become a full-scale war: From a legal perspective, many relevant laws and regulations have been successively introduced in recent years; on the government side, officials are the most "inspective" chemical companies; from the corporate point of view, to strengthen pollution Governance can also be said to spare no effort. But there still seems to be a lack of strength - the power of the market. Since pollution is a problem that arises in the course of business operations in the market, it is of course indispensable to use market means to deal with pollution. Therefore, the introduction of liability insurance mechanisms for environmental protection is both necessary and inevitable.
But frankly speaking, all those who use sophisticated market techniques in developed countries and use them directly in China will appear clumsy. The market is our weakness. The issue of environmental liability insurance products is also a problem. If we want to change this situation and really make good use of the market, we need to rely on multiple channels such as legal and administrative channels.
Improve relevant laws and regulations on environmental liability insurance as soon as possible. It now appears that companies and insurance companies have a fear for environmental liability insurance. The fundamental reason is that the legal status of such insurance is not clear. In the developed countries, environmental liability insurance is clearly defined in the form of legislation. It is recommended that the law can draw on current road traffic insurance models, enterprises that produce, manage, store, transport, and use hazardous chemicals, petrochemical companies that are prone to pollution accidents, hazardous waste disposal companies, and companies that have experienced major pollution accidents in recent years. Implement compulsory insurance; implement voluntary insurance for industries and enterprises that are less polluting. At the same time, the law must also impose clear constraints on the insurance mechanism and regulate its operation.
Establish an environmental accident assessment and damage mechanism. Name is correct, but also made it straight. The assessment of environmental accidents' damages is the key to whether the environmental liability insurance mechanism can be successfully carried out under the law. Enterprises are reluctant to take this type of insurance. The most fearful situation is that “when the money is collected, the company is really happy and pushes the company to push the marketâ€. This is caused by the incompleteness of the accident assessment damage mechanism. In the event of an accident, the government and the environmental protection department have political achievements and the insurance institutions have economic interests. If there is an independent, publicly-reliable damage assessment agency capable of adopting scientific methods for the analysis of pollution and harmful factors, environmental damage appraisal, and liability determination, it will be possible to avoid the occurrence of four-in-four phenomenon by the companies and the insurance companies. It can help companies to escape from the lengthy accident handling as soon as possible. As a result, environmental liability insurance will certainly be welcomed by enterprises.
Strengthen the government's guiding role. For a long period of time, our government has played the role of firefighters for risk accidents and pay for major environmental damages. This role is actually misplaced. The role of government departments should play in the formulation of laws and the determination of rules. For example, the establishment of an independent, credible damage assessment mechanism for environmental accidents depends on the government. The government has done a good job in this matter. An environmental responsibility insurance mechanism that is willing to be willing for enterprises and insurance agencies can be established.
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