关键词: 生物多样性, 人兽冲突, 野生动物肇事公众责任保险, 模式比较, 发展困境, 优化路径

Abstract

Background & Aim: Since the public liability insurance for wildlife accidents was launched, there have been some problems, such as poor insurance implementation effect, inactive participation of insurance institutions, and difficulty in expanding insurance coverage. It has not performed well in effectively alleviating the contradiction between humans and animals, which hinders the implementation and implementation of biodiversity protection. In order to improve the implementation effect of public liability insurance for wildlife accidents and make it play an important role in protecting biodiversity, we studied the development dilemma and optimization path of public liability insurance for wildlife accidents.
Methods: Taking Yunnan, Tibet, Zhejiang and Sichuan as examples, we clarified their application modes from the aspects of insurer, subject matter of insurance, insurance liability, insurance amount, insurance rate, subsidy mechanism, compensation standard and claim settlement procedure, compared the insurance modes to dig out the current restrictive factors in specific region.
Results: The research showed that the main constraints for the development of public liability insurance for wildlife accidents are unscientific product design, insufficient financial funds, unfit regulations and imperfect insurance systems. These constraints weaken the effect of insurance implementation, restrict the participation of insurance institutions, hinder the expansion of insurance coverage, and slow down the promotion of insurance work, which made the public liability insurance for wildlife accidents unable to protect the interests of the affected people and unable to promote the protection of biodiversity.
Suggestions & Perspective: It is of great value and significance to optimize the design of insurance elements, expand funding sources, improve supporting policies, and establish a public liability insurance system for wildlife accidents subsidized by the central government, which is led by the government and participated by many parties, to solve the conflict between humans and animals, support the protection of biodiversity, and establish a global life community.

Key words: biodiversity, human?animal conflict, public liability insurance for wildlife accidents, mode comparison, development dilemma, optimization path