環境保険の持つ社会的役割

書誌事項

タイトル別名
  • Social Role of Environmental Insurance
  • 環境保険の持つ社会的役割--補償機能と防災機能の観点から
  • カンキョウ ホケン ノ モツ シャカイテキ ヤクワリ ホショウ キノウ ト ボウサイ キノウ ノ カンテン カラ
  • —— 補償機能と防災機能の観点から ——
  • —— From the Viewpoint of the Compensatory and Loss Control Functions ——

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抄録

The 21st century is referred to as the century of the environment. Financial and insurance service businesses have now set the basic direction toward environmental consideration for regional environmental problems and global environmental problems in the regional economy.<br>Financial and insurance service businesses seem to have few aspects that motivate them to be engaged in environmental activities.<br>It is actually quite recent that they started to make contributions to the regional economy in a tangible way in view of sustainable development. Among all, non-life insurance companies have developed many insurance products that cover environmental risks. So-called environmental insurance covers regional environmental problems and features functions to prevent or lower environmental risks of other industries in the regional economy.<br>Once a regional environmental problem arises, enormous damage occurs and companies in the region must make considerable compensation for the damage. Environmental insurance covers environmental risks. Therefore, it allows companies in the region to secure finances for compensatory payment in the regional economy and also contributes to early purification of environmental pollution and relief for victims.<br>Environmental insurance checks the influences of each company's activities towards the environment in a preliminary study at the time of the insurance contract; has a certain degree of environmental conservation function; is one of the effective and efficient methods; and plays an important role in the regional economy.<br>More specifically, it is evident that the role of environmental insurance will vitalize and facilitate the regional economy. Insurance products of non-life insurance companies have four functions: a compensatory function, loss control function, financial function (investment and loan function), and an information offer function.<br>This paper mainly examines environmental insurance's influences on and contributions to the regional economy based on actual examples of environmental insurance products from the viewpoint of the compensatory and loss control functions of environmental insurance; and, as the result, aims to reveal the relationship between environmental insurance and the regional economy.<br><br>JEL classification: M52, Q59, R11

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