石化企业的风险识别及保险安排  

Risk awareness and insurance arrangements in petrochemical enterprises

作　　者：魏国勇 甘雨粒 

机构地区：[1]中国太平洋财产保险股份有限公司

出　　处：《国际石油经济》2008年第8期26-29,共4页International Petroleum Economics

摘　　要：石化企业生产经营过程中面临着政策、市场、财务、技术、自然灾害及意外事故等风险。要实现石化企业的长期可持续发展,应主动树立风险防范意识,构建适合于本企业的风险评估和管理机制。预期风险管理(ERM)是现代企业管理的重要方面,而保险安排是ERM的主要内容之一保险安排的最优策略是在关键风险得到有效转嫁的前提下,使保险成本最小化。为实现保险安排优化,企业需要全面了解和评估自身的可保风险,根据已明确的保险需求,经过调整和比选,确定自留方案和保险方案。近年来,我国石化企业的保险观念逐渐由被动保险转向主动保险,在这一转变过程中,企业除了学会运用保险的保障功能外,还应学会如何有效而非盲目地购买保险。Unexpected policy,market,property,technology and natural disaster incidents pose a risk to petrochemical companies throughout the production and distribution process. If they are to achieve sustainable development over the long term,these enterprises must be proactive in building risk prevention awareness and developing enterprise-specific mechanisms for assessing and managing risk.Estimated Risk Management (ERM) is an important aspect of modern corporate management,and one of its major components is insurance arrangements.The optimum insurance strategy involves minimizing insurance costs while ensuring critical risks are effectively passed on.In order to optimize insurance arrangements,an enterprise must be fully aware of what insurable risks it carries.By researching the issue and making selections according to its demonstrated insurance needs,it can develop its own retention and insurance plans.The past few years have seen China's petrochemical enterprises transition from a passive to an active concept of insurance.This process has taught enterprises how to utilize the protective functions of insurance;however,they must also learn how to purchase insurance effectively and judiciously.

关 键 词：预期风险管理(ERM) 可保风险 关键风险 自留风险 保险安排 保险策略 

分 类 号：F426.22[经济管理—产业经济] F270