环境污染责任保险政策有效性评估研究——以江苏省为例

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摘要为了对我国环境污染责任保险政策在实施过程中能否提升企业环境合规表现提供实证证据，基于江苏省2281家企业投保信息和环境违规数据，构建双重差分模型，检验分析政策有效性及其影响因素和机制.结果表明，环境污染责任保险在提升企业环境合规方面具有有效性，但政策效果受到企业环境风险等级、所在城市的调节作用：高环境风险企业提升合规表现的成本远高于削减风险后能够减少的保费，因而政策效果相对较弱；城市风险查勘服务质量越高，政策提升企业合规表现的效果越好.研究为提高环境污染责任保险政策的有效性提供了实证支撑.

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	吴文菁
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关键词 ：环境污染责任保险, 双重差分法, 环境风险防控, 有效性评估, 企业环境合规

Abstract：Based on the insurance information and environmental violation data of 2281 enterprises in Jiangsu Province, this study constructed a difference-in-difference model to empirically examine the effectiveness of environmental pollution liability insurance policies in improving enterprises' environmental performance and explores the potential influencing factors and mechanisms. The result shows that environmental pollution liability insurance effectively improved enterprises' environmental compliance. Still, the policy effect depended on the environmental risk level of enterprises and the cities where they were located:(1) Considering the higher cost of improving compliance performance relative to reduced insurance premiums after risk reduction, enterprises with high environmental risk levels demonstrate a weaker response to the policy; (2) positive effects of the policy tend to be enhanced in cities with high-quality risk assessment and site investigation services. This study provides empirical evidence for the effectiveness of environmental pollution liability insurance policies.

Key words： environmental pollution liability insurance difference in difference environmental risk prevention and control effectiveness evaluation corporate environmental compliance

收稿日期: 2023-03-13

PACS:

X32

基金资助:国家自然科学基金资助项目（71761147002，72222012，72174084）

通讯作者: 刘苗苗,副教授,liumm@nju.edu.cn E-mail: liumm@nju.edu.cn

作者简介: 吴文菁(1996-),女,福建福安人,南京大学硕士研究生,主要从事环境政策分析方面的研究.wuwj@smail.nju.edu.cn.

引用本文:

吴文菁, 刘苗苗, 马宗伟, 方文, 杨建勋, 毕军. 环境污染责任保险政策有效性评估研究——以江苏省为例[J]. 中国环境科学, 2023, 43(11): 6204-6211. WU Wen-jing, LIU Miao-miao, MA Zong-wei, FANG Wen, YANG Jian-xun, BI Jun. Effectiveness evaluation of environmental pollution liability insurance policy: A case study in Jiangsu Province. CHINA ENVIRONMENTAL SCIENCECE, 2023, 43(11): 6204-6211.

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http://www.zghjkx.com.cn/CN/ 或 http://www.zghjkx.com.cn/CN/Y2023/V43/I11/6204

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