• • 上一篇    下一篇

有限产能下基于不同投保主体的营业中断险投保模型分析

刘纯霞1, 袁涛1, 阳敏1, 汪寿阳2   

  1. 1. 湖南财政经济学院会计学院, 长沙 410205;
    2. 中国科学院数学与系统科学研究院, 北京 100190
  • 收稿日期:2022-06-23 修回日期:2022-08-20 出版日期:2023-02-25 发布日期:2023-03-16
  • 通讯作者: 阳敏,Email:yangmin@hufe.edu.cn
  • 基金资助:
    湖南省教育厅科学研究资助项目(18A445,19B093),大学生创新创业训练计划项目(202211532002),湖南省重点实验室开放研究基金项目(2019TP1009)资助课题.

刘纯霞,袁涛,阳敏,汪寿阳. 有限产能下基于不同投保主体的营业中断险投保模型分析[J]. 系统科学与数学, 2023, 43(2): 478-492.

LIU Chunxia, YUAN Tao, YANG Min, WANG Shouyang. Analysis of Business Interruption Insurance Model Based on Different Insured Entities Under Limited Production Capacity[J]. Journal of Systems Science and Mathematical Sciences, 2023, 43(2): 478-492.

Analysis of Business Interruption Insurance Model Based on Different Insured Entities Under Limited Production Capacity

LIU Chunxia1, YUAN Tao1, YANG Min1, WANG Shouyang2   

  1. 1. School of Accounting, Hunan University of Finance and Economics, Changsha 410205;
    2. Academy of Mathematics and Systems Science, Chinese Academy of Sciences, Beijing 100190
  • Received:2022-06-23 Revised:2022-08-20 Online:2023-02-25 Published:2023-03-16
文章构建由制造商和销售商组成的二级供应链系统.制造商有限产能,若出现供应中断,制造商无法短时间追加生产.引入中断惩罚系数,就制造商运营中断风险下的不投保模型、制造商投保模型、销售商投保模型和合作投保模型进行对比分析,探寻企业投保决策的边界、价值及影响机理.研究表明:制造商投保模型和合作投保模型,均明显优于不投保模型和销售商投保模型,亦能促成供应链合作,实现共赢;投保主体的抉择边界由中断惩罚系数决定;不同投保模型对应的保险价值增值效应不同;合作投保模型对应的订货量最大,销售价最低,销售商通过薄利多销方式提升企业盈利水平.
This paper considers a secondary supply chain system composed of manufacturers and sellers. The manufacturer has limited production capacity. If there is a supply interruption, how to choose the insured subject of business interruption insurance. In this study, interruption penalty is introduced to compare and analyze four strategies, namely, non-insurance, manufacturer insured, seller insured, and cooperative insured under the risk of business interruption, in order to explore the boundary, value and impact path of business interruption insurance policy. The research shows that both the manufacturer’s insurance strategy and the cooperative insurance strategy are significantly better than the non-insurance strategy and the seller’s insurance strategy, and can also promote supply chain cooperation and achieve a win-win situation; The decision boundary of the insured subject is determined by the interruption penalty coefficient; The insurance value appreciation effect corresponding to different insurance strategies is different; The specific impact paths of business interruption insurance on different insured entities are different.

MR(2010)主题分类: 

()
[1] Rose A, Huyck C K. Improving catastrophe modeling for business interruption insurance needs. Risk Analysis, 2016, 36(10):1896-1915.
[2] Zajdenweber D. Extreme values in business interruption insurance. Journal of Risk & Insurance, 1996, 63(1):95-110.
[3] Yang L, Kajitani Y, Tatano H, et al. A methodology for estimating business interruption loss caused by flood disasters:Insights from business surveys after Tokai Heavy Rain in Japan. Natural Hazards, 2016, 84(1):411-430.
[4] Neto A C G, Marujo L G, Cosenza C A N, et al. Using fuzzy NPV evaluation to justify the acquisition of business interruption insurance. Expert Systems with Applications, 2012, 39(12):10821-10831.
[5] Bisco J M, Fier S G, Pooser D M. Business interruption insurance and COVID-19:Coverage and issues and public policy implications. Journal of Insurance Regulation, 2020, 39(5):1-24.
[6] Samuel A. Business interruption insurance, pandemics, and a very UK story of dispute resolution. Alternatives to the High Cost of Litigation, 2021, 39(6):101-104.
[7] Yachnik M. How to prepare a business interruption claim. Risk Management, 2020, 67(7):14-15.
[8] Klein R W, Weston H. Government insurance for business interruption losses from pandemics:An evaluation of its feasibility and possible frameworks. Risk Management and Insurance Review, 2020, 23(4):401-440.
[9] Durukal E, Erdik M. Physical and economic losses sustained by the industry in the 1999 Kocaeli, Turkey Earthquake. Natural Hazards, 2008, 46(2):153-178.
[10] Sultana Z, Sieg T, Kellermann P, et al. Assessment of business interruption of flood-affected companies using random forests. Water, 2018, 10(8):1049-1064.
[11] Kaushalya H, Karunasena G, Amarathunga D. Role of insurance in post disaster recovery planning in business community. Procedia Economics & Finance, 2014, 37(18):626-634.
[12] Li X, Wang L. Strategy decision of business interruption insurance and emergency supply strategy based on supply disruptions. Journal of Industrial Engineering and Management, 2015, 8(1):110-121.
[13] Zhen X, Li Y, Cai G G, et al. Transportation disruption risk management:Business interruption insurance and backup transportation. Transportation Research Part E, 2016, 90]:51-68.
[14] 刘纯霞. 供应链中断风险管控利器:营业中断保险. 中国社会科学报, 2020-05-27(008). (Liu C X. Supply chain interruption risk management tool:Business interruption insurance. Chinese Social Sciences Today, 2020-05-27(008).)
[15] Qin X, Shao L, Jiang Z Z. Contract design for equipment after-sales service with business interruption insurance. European Journal of Operational Research, 2020, 284(1):176-187.
[16] 于辉, 吴腾飞. 基于营业中断保险的供应链中断模型分析. 保险研究, 2016, 38(5):24-35. (Yu H, Wu T F. Analysis of supply chain disruption model based on business interruption insurance. Insurance Studies, 2016, 38(5):24-35.)
[17] 于辉, 吴腾飞. 供应风险下营业中断保险的供应链模型分析. 中国管理科学, 2017, 25(12):39-47. (Yu H, Wu T F. Analysis of supply chain model of business interruption insurance under the supply risk. Chinese Journal of Management Science, 2017, 25(12):39-47.)
[1] 刘同, 宋璇, 蹇明. 基于双边库存风险的供应链契约研究[J]. 系统科学与数学, 0, (): 4-.
[2] 王道平, 丁婧一, 周玉. 不同权力结构下考虑消费者后悔预期的再制造供应链定价研究[J]. 系统科学与数学, 2023, 43(1): 114-128.
[3] 贾鹏, 陆圣斓, 邬桐, 汪寿阳. 基于TEI@I的港口集装箱吞吐量预测方法研究[J]. 系统科学与数学, 2022, 42(12): 3321-3338.
[4] 冯平平, 张婷丹, 柴建, 吴锋. 无缺陷退货下考虑转运的双渠道供应链库存决策研究[J]. 系统科学与数学, 2022, 42(11): 2973-2997.
[5] 林志炳, 林锡桦, 陈莫凡. 考虑退货和企业社会责任下的双渠道供应链产品质量策略研究[J]. 系统科学与数学, 2022, 42(8): 2062-2074.
[6] 王伟, 杨红梅, 丁黎黎, 张文思, 孙梦琪. 考虑消费者参照依赖特性的O2O外卖服务供应链竞争策略研究[J]. 系统科学与数学, 2022, 42(8): 2075-2091.
[7] 申亮, 范润婕, 王玉燕. 基于利他偏好的低碳ECSC定价服务决策与协调[J]. 系统科学与数学, 2022, 42(7): 1788-1804.
[8] 张金岱. 记忆性特征驱动的成品油价格预测研究[J]. 系统科学与数学, 2022, 42(5): 1300-1313.
[9] 于晓辉, 张志强, 于亚南. 考虑消费者偏好的绿色供应链补贴绩效研究[J]. 系统科学与数学, 2022, 42(4): 818-831.
[10] 王建华, 王琳. 考虑零售商公平偏好的绿色供应链决策与协调研究[J]. 系统科学与数学, 2022, 42(2): 386-397.
[11] 陈磊,王应明. 基于松弛变量方法的动态网络系统效率测度及分解[J]. 系统科学与数学, 2015, 35(3): 361-370.
[12] 赵勇,陈阳,吴新林. 内在理性的建模和决策的有限理性分析[J]. 系统科学与数学, 2013, 33(4): 468-479.
阅读次数
全文


摘要