煤炭企业安全生产责任险保费计算方法研究  

Research on Calculating Methods of Liability Insurance Premium of Safety Production in Coal Enterprises

作　　者：张景钢[1] 项小娟 Zhang Jinggang;Xiang Xiaojuan(School of Safety Engineering,North China Institute of Technology,Beijing 101601,China)

机构地区：[1]华北科技学院安全工程学院,北京101601

出　　处：《煤炭经济研究》2018年第6期53-57,共5页Coal Economic Research

基　　金：中央高校基金资助项目(3142013103;3142012029)

摘　　要：重点研究了煤炭企业自身情况复杂等特点、现今安全生产险的推广特点、政府和企业等多方面因素,并佐以实例分析验证此方法的有效性和合理性。结果表明:建立的煤炭体系安全生产责任险保费计算方法体系包括煤炭企业生命值损伤赔偿费用和财产损失赔偿费用,以及企业自身管理能力、生产标准化程度、应急救援能力和企业安全责任意识状况4个风险指标,并参考企业前1~5的事故发生情况;利用该事故风险定量评价方法计算煤炭企业生产责任保险保费,得出保费远低于现行方法确定的保费,符合煤炭企业事故风险实际状况。This paper focused on the complex characteristics of coal enterprises,the promotion characteristics of present safety production insurance,government and enterprises and other factors,and the effectiveness and rationality of this method was verified by example analysis. The results show that the established calculation system for safety production liability insurance premiums in the coal system included the value of damage compensation and property damage compensation for coal enterprises,and the management capabilities,production standardization degree,emergency rescue capabilities,and corporate safety responsibility awareness. With reference to the occurrence of the accidents in the previous 1 to 5 of the company,the quantitative assessment method for accident risk was used to calculate the production insurance premiums for coal companies,and the premiums obtained were far lower than the premiums determined by the current methods,which was in line with the actual conditions of coal mine accident risks.

关 键 词：安全生产 责任保险 计算方法 保险保费 煤炭企业 

分 类 号：F416.21[经济管理—产业经济]