沈阳航空航天大学优秀毕业设计论文沈阳市华府商场风险评估与投保方案设计.doc

PAGE 2 华府商场风险评估与投保方案设计 院 系 民航与安全工程学院 专 业 xxxx 班 级 xxxx 学 号 xxxx 姓 名 xxxx 指导教师 xxxx 负责教师 沈阳航空航天大学 2013年3月 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 HYPERLINK \l _Toc233428852 1 引言 PAGEREF _Toc233428852 \h 1 HYPERLINK \l _Toc233428853 1.1 研究背景 PAGEREF _Toc233428853 \h 1 HYPERLINK \l _Toc233428854 1.2 研究意义和目的 PAGEREF _Toc233428854 \h 1 HYPERLINK \l _Toc233428855 2 沈阳华府商场简介 PAGEREF _Toc233428855 \h 2 HYPERLINK \l _Toc233428856 3 华府商场初步风险识别与分析 PAGEREF _Toc233428856 \h 3 HYPERLINK \l _Toc233428857 3.1 财产风险 PAGEREF _Toc233428857 \h 3 HYPERLINK \l _Toc233428858 3.1.1 建筑火灾风险 PAGEREF _Toc233428858 \h 3 HYPERLINK \l _Toc233428859 3.1.2 消防设施 PAGEREF _Toc233428859 \h 4 HYPERLINK \l _Toc233428860 3.1.3 安全管理风险