煤化工行业风险分析及保险研究

发布时间：2018-02-12 05:40

本文关键词： 煤化工风险分析固有危险度层次分析法费率优化　出处：《沈阳航空航天大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,中国对能源和化工产品的需求呈现高速发展的态势,大量的石油和天然气依赖进口给我国的能源安全问题带来了严峻挑战。相比石油和天然气资源中国的煤炭资源相对丰富。这对煤化工产业的发展带来了良好的机遇,煤化工产业可以缓解中国对石油和天然气的依赖程度,为缓解能源危机发挥了重要作用。煤化工由于原料易燃易爆、操作条件高温高压等情况,危险、有害因素多,易发生事故,可能造成巨额的财产损失。因此,本文的研究目的是将风险评估与费率厘定相结合,科学合理的对煤化工行业的风险进行转移,运用费率优化的手段使保险方案更加科学。首先,本文在将煤化工与石油化工的原料、产品及转化路线对比的基础上得出煤化工与石油化工显著区别。其次,分析煤化工行业的关键技术路线和事故特点,结合煤化工行业的生产工艺条件,从固有危险和安全管理的角度对煤化工行业存在风险因素进行了分析。同时,利用固有危险度评价方法对煤化工的固有风险进行评价并分级;运用层次分析法量化煤化工行业的风险,并用yaahp软件计算出各指标的权重值及得分。根据煤化工企业的风险等级以及对现有保险方案的研究,结合风险等级和现有的险种承保模式,从费率角度对煤化工企业的财产保险的承保方案进行了优化,为保险人对煤化工企业的保险方案设计提供参考建议。最后,通过对某企业进行实例分析,本文所建立的煤化工行业风险分析和评价的模型可以帮助保险公司选择最优承保方案。
[Abstract]:In recent years, China's demand for energy and chemical products has been developing at a high speed. A large number of oil and gas imports have brought severe challenges to China's energy security problems. Compared with oil and natural gas resources, China has relatively rich coal resources. This brings good opportunities for the development of coal chemical industry. The coal chemical industry can ease China's dependence on oil and natural gas, and has played an important role in alleviating the energy crisis. Because of the flammable and explosive raw materials, high temperature and high pressure operating conditions, coal chemical industry has many dangerous and harmful factors. Therefore, the purpose of this paper is to combine the risk assessment with the rate determination, and to transfer the risks of coal chemical industry scientifically and reasonably. The method of rate optimization is used to make the insurance scheme more scientific. Firstly, this paper compares the raw materials, products and conversion routes of coal chemical industry and petroleum chemical industry. Secondly, the paper draws a significant difference between coal chemical industry and petrochemical industry. This paper analyzes the key technical route and accident characteristics of coal chemical industry, and analyzes the existing risk factors of coal chemical industry from the view of inherent danger and safety management, combined with the production process conditions of coal chemical industry. The inherent risk of coal chemical industry is evaluated and classified by the method of inherent risk evaluation, and the risk of coal chemical industry is quantified by AHP. The weight value and score of each index are calculated by yaahp software. According to the risk grade of coal chemical enterprise and the study of the existing insurance scheme, combined with the risk grade and the existing insurance insurance mode, This paper optimizes the underwriting scheme of property insurance in coal chemical enterprise from the angle of rate, and provides reference suggestions for the insurer to design the insurance scheme of coal chemical enterprise. Finally, through the analysis of an example of a certain enterprise, The model of coal chemical industry risk analysis and evaluation established in this paper can help insurance companies to choose the optimal insurance scheme.
【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】：2017
【分类号】：F842.6;TQ53;TQ086

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