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油气田企业资产风险评级的因素权重方法探讨

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油气田生产是典型的高风险行业,为转移资产损失风险,企业往往会投保相应的财产保险.财产保险的费率厘定通常以标的面临的风险为参照,风险越高,费率越高,反之亦然.提出一种油气田企业资产风险评级方法,按照油气田企业资产在点状和线状两种损失因素中的损失程度,并综合考虑油气影响因素和自然灾害影响因素,对资产的这四种因素分别赋分,再合理设置各因素权重,通过各因素分值与相应权重的综合计算,得出资产的高风险、中风险、低风险分级结果.根据该方法,结合各油气田生产企业资产明细,可以统计出企业资产高、中、低风险分布情况,为不同油气田企业财产保险差异化费率厘定提供依据.
Research on factor weight method of asset risk rating of oil and gas field enterprises
Oil and gas field production is a typical high-risk industry and companies usually insure the corresponding property insurance in order to reduce the risk of asset losses.The property insurance rate is determined based on the risk faced by the targets.The higher the risk,the higher the rate,and vice versa.This paper proposes an asset risk rating method for oil and gas field companies.This method is based on the loss of assets of oil and gas field enterprises in dot-shaped and wire-shaped losses,and comprehensively considers the factors affecting oil and gas and natural disasters.Through the comprehensive calculation of the value of various factors and the corresponding weights,the grades of high risk,medium risk and low risk of assets are obtained.According to this method,combined with the assets of various oil and gas field production enterprises,it can calculate the high,medium and low risk distribution of corporate assets,and provide a basis for determining the difference in property insurance differentiated rates.

oil and gas field companiesasset riskrisk ratingproperty insurancepremium rate

姜山、曾丽、张忠明、陈倩、蔡佩磊、杨屏

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中国石油天然气股份有限公司西南油气田川东北作业分公司

昆仑保险经纪股份有限公司

油气田企业 资产风险 风险评级 财产保险 费率

2024

国际石油经济
中国石油学会石油经济专业委员会,中国石油集团经济技术研究院,中国石油规划总院

国际石油经济

CSTPCDCHSSCD
影响因子:0.777
ISSN:1004-7298
年,卷(期):2024.32(5)