近年来,我国将环境污染责任保险制度作为一个重要制度在一些地区进行了试点,各地政府也纷纷响应,出台相关指导意见鼓励企业投保,然而虽然社会反响强烈,但是在成效并不显著,有些地区甚至出现了“零投保”的现象。随着“十二五”规划的出台,环境污染责任保险再次被提上议事日程。这一“绿色保险”如能实行将产生很好的社会效应,但是制度推行存在困难也确实是目前急需解决的问题。因此,现阶段如何践行环境污染责任保险制度,从投保模式着手可能就是一个绝佳的突破口。 In recent years, China has piloted the system of liability insurance for environmental pollution as an important system in some areas. Various local governments have also responded to them. Relevant guidance has been issued to encourage enterprises to insure their products. However, despite the strong social repercussions, the results are not significant. In some areas Even appeared “zero insurance” phenomenon. With the promulgation of the “Twelfth Five-Year Plan”, environmental liability liability insurance is put on the agenda again. This “green insurance” will have a very good social effect if it can be implemented, but it is indeed a problem that needs to be solved urgently to implement the system. Therefore, how to implement the liability insurance system for environmental pollution at this stage may be an excellent breakthrough from the insurance mode.