纺织企业风险评价与承保相关性探讨

为了给保险公司承保提供参考,在了解纺织企业生产工艺的基础上,对企业潜在风险进行了识别与分析。建立了纺织企业风险综合评价指标体系层次模型,应用模糊综合评价方法对其进行了风险综合评价。根据定量化的风险值,保险公司可做出调整保险费率、标准投保、拒绝投保等科学决策,企业可采取有效风险控制措施。有助于稳定保险公司经营,促进财产险健康发展,同时也是降低承保风险,减少企业事故损失的有效途径之一。

Correlativity discussion of risk assessment and insurance in textile enterprise

In order to provide a reference for the insurance company, we perform risk management for textile enterprise,through recognizing and analyzing the potential risk of the textile enterprise on the basis production technology,introducing an index system for the textile enterprise by application of Analytical Hierarchy Process.applying the fuzzy comprehensive evaluation to assess the textile enterprise risk.According to the quantified risk value,insurance company can make scientific decisions to adjust the premium rate,standardize a cover or reject a cover and etc.That will be beneficial to keep the insurance company to work stable and to promote the property insurance to develop healthy.The comprehensive evaluation results can also be used to provide references for enterprise to adopt effective risk management measures.Applying risk comprehensive evaluation to the enterprise is one of the really necessary needs to decrease the cover risk and to reduce the accident of the textile enterprise.