基于化工企业事故的环境强制责任保险研究

发布时间：2018-04-29 10:55

本文选题：化工企业 + 环境责任保险　；参考：《沈阳航空航天大学》2015年硕士论文

【摘要】：伴随着社会的进步、科技的发展，化工行业达到空前的繁荣状态，社会生产和人民生活的方方面面都离不开化工行业的支撑。各类化工企业如雨后春笋般在全国各地建立，随之而来的是各类环境污染事故的出现，环境污染问题越来越受到人们的关注。环境污染事故的发生，使得企业面临巨大的清污治理费用的支出，使得企业的压力越来越大。环境责任保险是企业分散这一风险的重要选择，但是由于现在的环境责任保险对于规模相同的企业采取的是统一费率，使得风险较低的企业投保热情不高，而风险较高的企业乐于接受这一费率，导致保险公司的经营风险增加，从而保险公司不得不“惜保”，进而风险高的企业也会退出保险市场，投保人的减少不利于环境责任保险的发展。本文从化工企业和环境责任险的特点出发，对化工企业进行事故分析，主要从设备设施、危险物料、工艺环节、企业管理四个方面进行分析，并建立化工企业意外事故风险指标体系，采用主成分和熵权法集成综合评价方法，将化工企业意外事故风险分为低、一般、较大和很大。最后，整合所有可能影响化工企业环境强制责任险费率的因素，包括企业的重大危险源等级、意外事故风险水平、环境的敏感性、事故产物的毒性以及历史事故记录，最终对化工企业环境强制责任保险费率进行浮动，，为推广环境强制责任保险做一定的努力。
[Abstract]:With the progress of the society and the development of science and technology, the chemical industry has reached an unprecedented prosperity, social production and people's life can not be separated from the support of the chemical industry. All kinds of chemical enterprises are springing up all over the country. With the emergence of various environmental pollution accidents, people pay more and more attention to environmental pollution. The occurrence of environmental pollution accident makes the enterprise face the huge expense of cleaning and treating expenses, which makes the pressure of the enterprise more and more great. Environmental liability insurance is an important choice for enterprises to disperse this risk. However, due to the fact that the current environmental liability insurance takes a flat rate for enterprises with the same scale, the low risk enterprises are less enthusiastic about it. The higher risk enterprises are willing to accept this rate, which leads to an increase in the operating risk of the insurance companies, so that the insurance companies have to "cherish insurance," and then the high-risk enterprises will also withdraw from the insurance market. The decrease of policy holder is unfavorable to the development of environmental liability insurance. Starting from the characteristics of chemical enterprises and environmental liability insurance, this paper analyzes the accidents of chemical enterprises, mainly from four aspects: equipment and facilities, hazardous materials, technological links, and enterprise management. The index system of accident risk in chemical enterprises is established, and the integrated evaluation method of principal component and entropy weight is adopted to divide the accident risk of chemical enterprises into low, general, larger and very large. Finally, integrate all the factors that may affect the environmental compulsory liability insurance rate for chemical enterprises, including the grade of major hazards, the level of accident risk, environmental sensitivity, the toxicity of accident products, and the history of accident records, Finally, the rate of environmental compulsory liability insurance for chemical enterprises is fluctuated, and some efforts are made to popularize environmental compulsory liability insurance.
【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】：2015
【分类号】：F426.72;TQ086

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