供应中断风险的保险解决方案研究

发布时间：2018-05-30 02:40

  本文选题：营业中断保险 + 供应链风险管理　； 参考：《南京大学》2017年硕士论文

【摘要】：本文将营业中断保险引入供应链中断风险管理研究中。目前国内对于营业中断保险的研究主要集中于条款介绍以及中外保险制度对比等,对于营业中断保险在供应链风险管理中的应用研究还较少;而对于供应链中断风险管理的研究多是运营策略,如库存管理、多源采购、后备供应以及企业流程优化等,缺少将营业中断保险与供应链风险管理相结合的研究。本文第三章仅考虑供应链下游制造商购买营业中断保险对自身相关策略的影响,假设制造商以企业的利润损失为投保标的,结合营业中断保险的免赔额、赔偿限额等要素,采用EOQ模型分别建立了企业未发生中断、发生中断但未购买营业中断保险和发生中断且购买了营业中断保险三种情况下的企业利润表达式,分析了营业中断保险策略的应用对企业库存和利润的影响,试图在企业由于多订购而产生的库存成本、少订购而产生的缺货成本、受订购次数影响的固定成本以及发生中断而导致的惩罚成本间为企业的相关决策找到平衡,得出中断的发生使得企业的库存订购量相较于未发生中断情况下会增加,但营业中断保险策略的应用降低了增加的幅度。本文第四章将供应链下游制造商购买营业中断保险对供应链风险管理的影响由单节点扩展至双节点,考虑简单的二级供应链(供应商和制造商),假设供应商和制造商分散决策,通过对比分析未发生中断、发生中断但未购买营业中断保险以及发生中断且购买了营业中断保险三种情况下制造商的销售价格、供应商的批发价格、市场需求的变化及供应商和制造商的利润函数来探讨营业中断保险对供应链决策的影响。得出发生中断但未购买营业中断保险情况时,制造商的销售价格相较于未中断情况下会提高,市场需求会降低,制造商的利润会降低,制造商采购价格的变化取决于供应商的商誉成本与制造商的缺货成本之间的关系,供应商的利润变化则取决于供应商的生产成本、供应商的商誉成本以及制造商的缺货成本三者之间的关系。而在发生中断且购买了营业中断保险时,制造商的采购价格会升高,但三种情况下制造商的采购价格的大小关系取决于供应商的商誉成本与制造商的缺货成本之间的关系,三种情况下制造商的销售价格的大小关系取决于供应商的生产成本、供应商的商誉成本以及制造商的缺货成本三者之间的关系。本文的研究可以增加国内在营业中断保险与企业供应链中断风险相结合的领域的研究成果,为企业决策者的成本与价格决策提供参考,提高企业的风险管理水平。
[Abstract]:This paper introduces business interruption insurance into supply chain interrupt risk management. At present, the domestic research on business interruption insurance mainly focuses on the introduction of terms and the comparison of Chinese and foreign insurance systems, but the application of business interruption insurance in supply chain risk management is still less. But the research of supply chain interruption risk management is mostly operational strategy, such as inventory management, multi-source procurement, backup supply and enterprise process optimization, and lack of research on combining business interruption insurance with supply chain risk management. In the third chapter, we only consider the influence of the business interruption insurance purchased by the downstream manufacturer of the supply chain on their own relevant strategies, assuming that the manufacturer takes the loss of profits of the enterprise as the insured object, combined with the deductible amount of business interruption insurance, the compensation limit and so on. The EOQ model is used to establish the enterprise profit expressions under the conditions of no interruption, no interruption but no business interruption insurance and business interruption insurance. This paper analyzes the influence of the application of the business interruption insurance strategy on the inventory and profit of the enterprise, and attempts to find out the inventory cost caused by the overordering and the shortage cost caused by the small order in the enterprise. The fixed cost affected by the order number and the penalty cost caused by the interruption find a balance for the relevant decision of the enterprise. It is concluded that the occurrence of the interruption makes the inventory order quantity of the enterprise increase compared with the case of no interruption. However, the application of business interruption insurance strategy reduced the increase. In the fourth chapter, we extend the effect of supply chain risk management from single node to double node, and consider simple secondary supply chain (supplier and manufacturer), assuming supplier and manufacturer decentralized decision. Through the comparative analysis of the manufacturer's sales price, the supplier's wholesale price, the business interruption insurance, the manufacturer's sales price and the supplier's wholesale price. The change of market demand and the profit function of suppliers and manufacturers are used to study the influence of business interruption insurance on supply chain decision. It is concluded that when interruptions occur but business interruption insurance is not purchased, the manufacturer's sales price will increase, market demand will decrease, and the manufacturer's profits will decrease, compared with the uninterrupted situation. The change of manufacturer's purchase price depends on the relationship between the supplier's goodwill cost and the manufacturer's shortage cost, and the supplier's profit change depends on the supplier's production cost. The relationship between supplier's goodwill cost and manufacturer's shortage cost. However, the manufacturer's purchase price will rise when the interruption occurs and the business interruption insurance is purchased. However, the relationship between the manufacturer's purchase price and the supplier's goodwill cost depends on the manufacturer's out-of-stock cost in three cases. The relationship between the manufacturer's selling price and the supplier's production cost, the supplier's goodwill cost and the manufacturer's shortage cost depends on the three situations. The research in this paper can increase the domestic research results in the field of the combination of business interruption insurance and supply chain interruption risk, provide a reference for the cost and price decision of enterprise decision makers, and improve the risk management level of enterprises.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F274;F842.6
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本文编号：1953567