生物多样性 ›› 2024, Vol. 32 ›› Issue (5): 23431. DOI: 10.17520/biods.2023431 cstr: 32101.14.biods.2023431
收稿日期:
2023-11-13
接受日期:
2024-02-04
出版日期:
2024-05-20
发布日期:
2024-03-28
通讯作者:
E-mail: 基金资助:
Tao Qin1, Ronghe Cui1,*(), Rui Song1, Lisha Fu2
Received:
2023-11-13
Accepted:
2024-02-04
Online:
2024-05-20
Published:
2024-03-28
Contact:
E-mail: 摘要:
野生动物保护是维护生物多样性及可持续利用自然资源的关键举措, 构建以野生动物肇事公众责任保险为核心的风险保障体系, 对于维护生态系统稳定以及促进人与自然和谐共生具有重要价值。本文选择希腊、美国、意大利、加拿大、巴基斯坦等国家的不同类型野生动物肇事保险项目进行分析比较和经验借鉴, 系统梳理了我国野生动物肇事公众责任保险的发展模式和典型案例, 针对我国野生动物肇事保险现实困境与优化策略进行深入探讨。研究发现, 我国野生动物肇事保险尚未形成统一的、符合我国国情和地区实际需要的保险产品体系, 各地保险试点过程中面临保费筹集困难、业务模式应用受限、保险体系尚未完善、定价机制不够合理、查勘定损程序繁琐以及科技应用水平有限等诸多制约因素。因此, 亟需尽快构建央地保费补贴联动机制、探索适合全国范围应用的发展模式、优化保险产品体系、建立动态定价机制、制定查勘定损标准以及提高保险科技应用水平。
秦涛, 崔荣赫, 宋蕊, 富丽莎 (2024) 我国野生动物肇事公众责任保险: 发展模式、现实困境与优化策略. 生物多样性, 32, 23431. DOI: 10.17520/biods.2023431.
Tao Qin, Ronghe Cui, Rui Song, Lisha Fu (2024) Chinese public liability insurance for wildlife accidents: Development models, realistic dilemmas, and optimization strategy. Biodiversity Science, 32, 23431. DOI: 10.17520/biods.2023431.
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