物流企业责任风险分析及承保模式研究

发布时间：2018-03-22 12:29

本文选题：物流责任保险　切入点：粗糙集　出处：《沈阳航空航天大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的持续快速增长，作为第三产业的物流业和物流技术日益受到国家和社会的重视，但在实际运作过程中因涉及环节多、供应链因素多等原因导致其面临的风险逐渐增多，未来可能发生很多无法预测的不确定性风险并可能给物流企业造成重大损失，，所以现代物流企业的发展迫切需要物流保险的支持。为此，物流保险应运而生，物流企业将一部分风险通过保险的方式转移给保险公司，既分散了自身经营风险也为保险公司创造收益。但物流保险在我国刚刚兴起，存在着险种承保范围窄、保费设置不合理等诸多问题，严重阻碍了物流保险的发展。物流公司如何控制这些不确定性未知风险，将部分责任风险更好的转移给保险公司？保险公司又应出台怎样的物流保险方案能更好地满足市场需求、丰富保险产品、扩展保险市场？这些是人们一直关注和希望解决的问题。基于上述情况，为了更好的迎合市场需求、完善保险险种。本文首先采用流程图法、风险调查法等方法对物流企业各环节运营风险进行风险辨识和分析，并运用粗糙集理论对叠加风险进行知识约简、确定核心风险因素并根据需要确定可保责任风险，扩大承保范围；通过建立基于粗糙集理论的多层次多属性区间数模糊综合评判模型，将利用粗糙集属性重要度理论确定的客观权重与专家经验确定的主观权重相结合确定综合权重，然后利用模糊区间数更好地避免了因评判因素的不确定性和评判等级的模糊性而造成的判断偏差，使评判风险等级结果客观可信。最后通过建立基于索赔次数、索赔额、投保总额的NCD模型对物流责任保险费率进行动态调整。结合实例对物流企业责任风险进行风险评估确定风险等级并进行相应的费率动态调整，提高了物流企业风险管理意识和投保物流责任保险的积极性。
[Abstract]:With the sustained and rapid economic growth of our country, the logistics industry and logistics technology, as the third industry, have been paid more and more attention by the country and society, but there are many links involved in the actual operation. The supply chain is faced with more risks due to many factors, and many uncertain risks may occur in the future, which may cause heavy losses to logistics enterprises. Therefore, the development of modern logistics enterprises urgently needs the support of logistics insurance. For this reason, logistics insurance emerges as the times require. Logistics enterprises transfer some risks to insurance companies through insurance. But logistics insurance has just arisen in our country, there are many problems such as narrow insurance coverage scope, unreasonable premium setting and so on, which seriously hinder the development of logistics insurance. How can logistics companies control these uncertain and unknown risks and transfer some of the liability risks to insurance companies better? What kind of logistics insurance schemes should insurance companies introduce to better meet the market demand, enrich insurance products, and expand the insurance market? These are the problems people have been paying attention to and want to solve. Based on the above situation, in order to better meet the needs of the market and improve insurance coverage. Firstly, this paper uses flow chart method, risk investigation method and other methods to identify and analyze the operational risks in various links of logistics enterprises. The rough set theory is used to reduce the superposition risk, to determine the core risk factors and to determine the insurable liability risk according to the need, and to expand the scope of insurance coverage. By establishing the fuzzy comprehensive evaluation model of multi-level and multi-attribute interval number based on rough set theory, the objective weight determined by rough set attribute importance theory and the subjective weight determined by expert experience are combined to determine the comprehensive weight. Then, the fuzzy interval number is used to avoid the judgment deviation caused by the uncertainty of judgment factors and the fuzziness of judgment grade, which makes the result of judging risk grade objective credible. Finally, by establishing the claim number based on the number of claims, the amount of claim is established. The NCD model of total insured amount adjusts the logistics liability insurance rate dynamically. Combining with an example, the risk assessment of the logistics enterprise liability risk is carried out to determine the risk grade and the corresponding rate dynamic adjustment. Improve logistics enterprise risk management awareness and insurance of logistics liability insurance enthusiasm.
【学位授予单位】：沈阳航空航天大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F259.23;F272.3

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