보험산업과 온실가스 감축의 법리
A Legal Theory on the Reduction of Greenhouse Gas in Insurance Industry
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It is already clear that adaptation to climate change will have major implications for the worldwide economy. In addition, the consequences of any sudden, severe events or dramatic shifts in world ecosystems could create economic upheaval, particularly in markets in which risk is concentrated. Macroeconomic surveys study on the hidden costs of climate change have forecast significant economic costs resulting from climate change. Nowadays, the insurance industry is watching the climate change negotiations carefully in order to understand how it might impact existing property and casualty policies. Some argues that taxpayer funded reinsurance is necessary to ensure that states can respond to new climate change pressures. The mandatory catastrophe risk insurance would more equitably distribute the costs of climate change between the government as the ultimate reinsurer and major greenhouse gas emitters who have benefited from maintaining the status quo greenhouse gas intensive economy. Mandatory insurance ensures a major role for the private insurance industry as not just a risk manager but more importantly as an unparalleled source of private governance with a financial incentive to ensure timely mitigation of existing climate catastrophe risks. This insurance provides industries with the opportunity to demonstrate their social responsibility. The product requires major greenhouse gas emitters to accept accountability and ensure that greenhouse gas mitigation is a core function of their activities. The debate and discussion about climate change will only continue to grow, and the policies and practices of governmental and corporate actors are very likely to follow suit. At the same time, while certain trends in both science and the law are undeniable, there is much that is yet to be known.
Abstract
It is already clear that adaptation to climate change will have major implications for the worldwide economy. In addition, the consequences of any sudden, severe events or dramatic shifts in world ecosystems could create economic upheaval, particularly in markets in which risk is concentrated. Macroeconomic surveys study on the hidden costs of climate change have forecast significant economic costs resulting from climate change. Nowadays, the insurance industry is watching the climate change negotiations carefully in order to understand how it might impact existing property and casualty policies. Some argues that taxpayer funded reinsurance is necessary to ensure that states can respond to new climate change pressures. The mandatory catastrophe risk insurance would more equitably distribute the costs of climate change between the government as the ultimate reinsurer and major greenhouse gas emitters who have benefited from maintaining the status quo greenhouse gas intensive economy. Mandatory insurance ensures a major role for the private insurance industry as not just a risk manager but more importantly as an unparalleled source of private governance with a financial incentive to ensure timely mitigation of existing climate catastrophe risks. This insurance provides industries with the opportunity to demonstrate their social responsibility. The product requires major greenhouse gas emitters to accept accountability and ensure that greenhouse gas mitigation is a core function of their activities. The debate and discussion about climate change will only continue to grow, and the policies and practices of governmental and corporate actors are very likely to follow suit. At the same time, while certain trends in both science and the law are undeniable, there is much that is yet to be known.
참고문헌 (36)
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