特种设备责任保险对乡镇中小企业的积极作用

发布时间：2018-05-24 16:43

本文选题：特种设备 + 乡镇中小企业　；参考：《福建农林大学》2013年硕士论文

【摘要】：随着特种设备的发展，特种设备越来越多的在乡镇中小企业普及使用，并在提高企业生产效率发挥重要作用。但特种设备存在危险性，容易引发安全事故，在提高生产率的同时也给企业带来安全责任赔偿风险。虽然特种设备责任保险在全国各地方都有陆续开展，但由于种种原因，许多企业，特别是乡镇中小企业并未对所管理的特种设备进行投保，造成在发生特种设备事故后，承担重大的责任，特别是经济赔偿责任，对企业的发展造成影响，甚至面临倒闭。因此研究特种设备责任保险对乡镇中小企业作用有重要意义。那么，特种设备有政府监管为什么还会有危险？乡镇中小企业为什么不能承担安全赔偿风险？怎么解决？本文以特种设备管理机制为切入点，从特种设备企业外部管理、内部管理角度，研究乡镇中小企业特种设备安全事故风险来源，研究如何解决安全责任赔偿风险转移问题。本文将理论与实证相结合，通过案例、数据、问卷，分析比较等方法，研究特种设备责任保险对乡镇中小企业的积极作用问题，并在此基础上，对如何促进提高乡镇中小企业参加特种设备保险提出对策。希望通过本文，提高企业风险意识、保险意识，从企业发展大计出发，积极参与特种设备责任保险，降低风险，杜绝或减少特种设备安全事故发生，促进企业发展，构建和谐社会。本文主要研究内容包括：⑴基于特种设备政府监管体制，分析管理体制的有效性及与现实的矛盾；⑵基于乡镇企业特种设备管理特点，，分析特种设备在乡镇中小企业安全风险高的因素及企业在管理安全风险的模式；⑶基于事故案例与数据分析，分析特种设备事故对乡镇中小企业生产、发展的影响；⑷在已有研究的基础上，对特种设备责任保险进行重新定义，分析特种设备责任保险对乡镇中小企业的作用；⑸基于调查问卷，分析乡镇中小企业特种设备投保率低的因素，提出对策。本文可能在以下方面实现创新与突破。⑴从数据统计的角度，分析乡镇中小企业特种设备安全事故责任赔偿的承责能力；⑵从转移特种设备事故赔偿风险的角度，对特种设备责任保险进行重新定义；⑶从管理角度，特别是人的因素，分析乡镇了中小企业特种设备事故风险高的因素；⑷从切实保障企业利益角度出发，提出完善特种设备责任保险产品内容及提升保险机构服务水平的方案。
[Abstract]:With the development of special equipment, special equipment is more and more widely used in small and medium-sized township enterprises, and plays an important role in improving the production efficiency of enterprises. However, the special equipment is dangerous and easy to lead to safety accidents, which not only increases productivity, but also brings the risk of liability compensation to enterprises. Although liability insurance for special equipment has been carried out in various parts of the country, for various reasons, many enterprises, especially small and medium-sized township enterprises, have not insured the special equipment under management, resulting in the occurrence of special equipment accidents. Bear heavy responsibility, especially the liability of economic compensation, which will affect the development of enterprises and even face closure. Therefore, the study of special equipment liability insurance plays an important role in township small and medium-sized enterprises. So why is it dangerous for special equipment to be regulated by the government? Why can't small and Medium-sized Enterprises of Township bear the risk of Safety compensation? How? From the perspective of external management and internal management of special equipment enterprises, this paper studies the risk sources of special equipment accidents in small and medium-sized township enterprises, and studies how to solve the problem of risk transfer of safety liability compensation from the point of view of special equipment management mechanism. This paper combines the theory with the empirical research, through the methods of case, data, questionnaire, analysis and comparison, to study the positive effect of the special equipment liability insurance on the township small and medium-sized enterprises, and on this basis, How to promote the small and medium-sized enterprises in towns to participate in special equipment insurance put forward countermeasures. Through this article, we hope to improve the risk awareness and insurance awareness of enterprises, from the enterprise development plan, actively participate in special equipment liability insurance, reduce risks, prevent or reduce the occurrence of special equipment safety accidents, and promote the development of enterprises. Building a harmonious society. The main contents of this paper include: 1 based on special equipment government supervision system, analysis of the effectiveness of the management system and contradictions with reality. 2 based on the characteristics of special equipment management in township enterprises. Based on the analysis of accident cases and data analysis, this paper analyzes the influence of special equipment accidents on the production and development of small and medium-sized enterprises in villages and towns. 4 on the basis of the existing research, we redefine the special equipment liability insurance, analyze the function of the special equipment liability insurance to the small and medium-sized enterprises in villages and towns. 5 based on the questionnaire, we analyze the factors of the low insurance rate of the special equipment insurance for the small and medium-sized enterprises in the villages and towns. Put forward countermeasures. This paper may achieve innovation and breakthrough in the following aspects. 1 from the angle of data statistics, this paper analyzes the liability capacity of special equipment accident liability compensation in small and medium-sized enterprises in villages and towns from the point of view of transferring the risk of compensation for special equipment accidents. This paper redefines the liability insurance for special equipment from the angle of management, especially the human factor, and analyzes the factors that cause the high risk of special equipment accidents in small and medium-sized enterprises in villages and towns. (4) from the angle of ensuring the interests of the enterprises, The scheme of perfecting the content of special equipment liability insurance products and improving the service level of insurance institutions is put forward.
【学位授予单位】：福建农林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.69

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