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 ——

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概要

• 論文の詳細を見る

• 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.Financial and insurance service businesses seem to have few aspects that motivate them to be engaged in environmental activities.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.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.Environmental insurance checks the influences of each companys 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.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.This paper mainly examines environmental insurances 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.JEL classification: M52, Q59, R11

• 日本地域学会の論文

著者

• 酒井 泰弘

  滋賀大学経済学部

• 八頭司 彰久

  滋賀大学大学院経済学研究科

関連論文

• 生活者から見たキャプティブ保険
• 新しい世紀には新しい経済学を : 「経済人」から「生活者」への道
• リスク,環境および社会 : 新しい経済科学を求めて
• 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 ——
• 台湾と日本におけるリスク対応の相違と生活経済へのインパクト : 液晶ディスプレイ業界を中心として
• リスクの経済学について -現状と課題ー(滋賀大学大学院経済学研究科博士後期課程経済経営リスク専攻発足記念、リスク特集号)

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