关键词: 野生动物肇事, 责任保险, 发展模式, 现实困境, 优化策略

Abstract

Aims: Wildlife conservation is a key measure to maintain biodiversity and sustainable use of natural resources, and the construction of a risk protection system with public liability insurance for wildlife accidents as the core is of great value for maintaining the stability of the ecosystem and promoting the harmonious coexistence of man and nature.

Methods: This paper selects different types of wildlife accident insurance projects in Greece, the United States, Italy, Canada, Pakistan and other countries for analysis and comparison, and systematically sorts out the development model and typical cases of public liability insurance for wildlife accidents in China, and conducts in-depth discussions on the realistic dilemmas and Optimization Strategy of wildlife accident insurance in China.

Results: It is found that China's wildlife accident insurance has not yet formed a unified insurance product system that meets China's national conditions and the actual needs of regions, and many constraints are faced in the process of insurance pilot in various regions, such as difficulties in raising premiums, limited application of business models, imperfect insurance system, unreasonable pricing mechanism, cumbersome investigation and damage assessment procedures, and limited level of technology application.

Suggestions and perspective: Therefore, it is urgent to build a linkage mechanism for premium subsidies between the central and local governments as soon as possible, explore a development model suitable for nationwide application, optimize the insurance product system, establish a dynamic pricing mechanism, formulate survey and loss assessment standards, and improve the level of insurance technology application.

Key words: Wild animal accidents, Liability insurance, Development model, Realistic dilemma, Optimization strategy