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| Graded insurance mechanism of safety production liability insurance in non-coal mines based on risk management theory |
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| DOI：10.3969/j.issn.1671-4172.2019.05.022 |
| KeyWord:safety production liability insurance; risk management; enterprises graded insurance; risk factors |
| Author | Institution |
| MEI Guodong |
（北京矿冶科技集团有限公司，北京 ） |
| LU Yao |
（北京矿冶科技集团有限公司，北京 ） |
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| Abstract: |
| This paper analyzed the present situation and the development of safety production liability insurance in China and then proposed that enterprises should be insured in different levels according to the risk situation. The enterprise risk value was divided into four elements: inherent risk, employee quality, safety management and safety performance. The influencing factors of each element were analyzed, and the quantitative index and calculation method of enterprise risk value were proposed. According to the risk value and qualitative analysis results, the enterprise was divided into five levels, further guiding the determination of insurance premium in enterprise insurance. |
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