沈阳市华府商场风险评估与投保方案设计学士毕业论文.doc

PAGE 2 华府商场风险评估与投保方案设计 沈阳航空工业学院毕业设计（论文） PAGE I 摘 要 本文通过对华府商场进行风险分析，从而根据实际情况设计投保方案。本文首先介绍了华府商场的概况，对其可能导致事故的各种风险因素进行风险分析；其次，建立风险评价体系，运用层次分析法、模糊数学以及安全检查表法对财产风险以及责任风险进行评估，制定安全检查表并进行打分，确定各个风险的危险等级；最后根据存在的风险确定需要投保的险种，由风险评估的危险等级确定费率浮动的范围，进而确定保费，并根据华府商场的实际情况，制定投保方案，并对其提出整改意见，加大其的安全性。 关键词：风险分析；层次分析法；模糊数学；安全检查表；费率浮动 Abstract This article did risk analysis on Richgate Shopping Center,and according to the actual situation designed insurance programs.At first this article introduced an overview of Richgate Shopping Center and did risk analysis on a variety of risk factors that might lead to accidents; Secondly, AHP、fuzzy Mathematics as well as the safety checklist was used to do assessment on the property risks and liability risks with establishing a risk evaluation system in this article,besides draw up security checks and keep scores to determine the risk of various risk levels;Finally this article was based on risks that existed and identify the types of insurance,then under the dangerous level of risk assessment to determine the scope of the floating rate,futher determine the premium,and then according to Richgate Shopping Centers actual situation,designed insurance programs,moreover proposed reform program on it and incrase its safety. Keywords:Risk analysis;AHP;Fuzzy Mathematics;safety checklist;floating rate 目录 TOC \o 1-3 \h \z \u 1 引言 h 1 1.1 研究背景 h 1 1.2 研究意义和目的 h 1 2 沈阳华府商场简介 h 2 3 华府商场初步风险识别与分析 h 3 3.1 财产风险 h 3 3.1.1 建筑火灾风险 h 3 3.1.2 消防设施 h 4 3.1.3 安全管理风险 h 5 3.1.4 电气火灾风险 h 5 3.1.5 商品性质风险 h 6 3.1.6 其他风险 h 6 3.2 责任风险分析 h 7 3.2.1 公众责任风险因素识别 h 7 3.2.2 雇主责任风险因素识别 h 9 4 华府商场风险评价 h 10 4.1 数学方法简介 h 10 4.1.1 层次分析法 h 10 4.1.2 模糊综合评判 h 11 4.1.3 安全检查表 h 11 4.2 财产风险评估 h 12 4.3 责任风险评估 h 18 5 华府商场保险方案设计 h 23 5.1 保险组合设计 h 23 5.1.1 财产保险投保 h 23 5.1.2 公众责任保险 h 24 5.1.3 雇主责任保险 h 26 5.2 整改建议 h 27 6 结论 h 29 参考文献 h 30 致 谢 h 31 附录Ⅰ 华府商场平面图 h 32 附录Ⅱ 专家打分表 h 33 附录Ⅲ 雇主责任险费率调整表 h 38 引言 研