论油污应属巨灾保险承保对象.pdfVIP

第25 卷第1 期 中国海商法研究 Vol. 25 No.l 2014 年3 月 Chinese Journal of Maritime Law Mar. 2014 何丽新，柳冰玲.论油污应属巨灾保险承保对象[1]. 中国海商法研究，2014 ， 25 (1) :3-11 论油污应属巨灾保险承保对象 何丽新，柳冰玲 (厦门大学法学院，福建厦门 361∞5) 摘要:油污符合巨灾保险承保对象所具有的损失发生巨大性、风险发生概率低、风险预测难度大和风险难以分 散的识别标准，应属于巨灾保险承保对象。油污巨灾保险具有公共产品属性、石油利益的获得者具有广泛性、侵权 损害赔偿责任呈现社会化分担趋势，故政府应当作为油污巨灾保险的投保人。将油污纳入巨灾保险体系中，有助于 丰富油污保险类型，构建油污巨灾保险与普通油污保险二元并列的局面，以社会力量督促石油行业提高安全生产力 度，并达到弥补普通油污保险、油污基金、政府救济等其他油污灾后救济制度缺陷的目标。 关键词:油污;巨灾保险;承保对象 中图分类号:DF961. 9 文献标志码:A 文章编号:1∞3-7659-( 2014 )01 -0003-09 Oil pollution should belong to the underwriting obj配ts of catastrophe insurance HE Li-xin , UU Bing-ling (Law School , Xiamen University , Xiamen 361ω5 ， China) Abstract: Oil pollution confonns to the recognition standards of the underwriting objects of catastrophe insurance: huge loss , low probahility of occurrence , difficult prediction and risk decentralization , therefore oil pollution should belong to the under- writing objects of catastrophe insurance. Considering that oil pollution insurance has the nature of public goods , the oil inter- es怡， gainer百 are widespread and socialization of tort liahility ，由e gove口unent should be the applicant of oil pollution s catas- trophe insurance. The estahlishment of oil pollution s catastrophe insurance is g∞d to enrich the types of oil pollution insur- ance , estahlish the dualistic situation of oil pollution s catastrophe insurance and general oil pollution insurance , it enahles the social forces to supervise the petroleum industry , and achieve the goal of remedying the limitations of other post-