供应链投保主体的抉择——谁来投保重大突发公共事件营业中断险?
Decision of Supply Chain Insurance Policyholders—Who should Purchase Business Interruption Insurance for Major Public Emergencies?
陈友余 1陈志 1王一君 2刘纯霞1
作者信息
- 1. 湖南财政经济学院会计学院,长沙 410205
- 2. 河南财经政法大学金融学院,郑州 450016
- 折叠
摘要
文章构建以制造商和销售商组成的二级供应链系统,基于不同投保主体,探讨制造商投保模式、销售商投保模式、联合投保模式的中断风险转移效果及具体影响机理,为供应链协同管控中断风险及重大突发公共事件营业中断险投保模式创新提供决策支持.相关研究结论如下:重大突发公共事件营业中断险能有效转移企业中断风险,能通过供应链传导达成价值实现和价值增值目的;谁是最佳投保主体要视具体情况而定;重大突发公共事件营业中断险与中断惩罚契约和批发价契约之间均存在一定的替代互补关系,其在中断惩罚系数与订货量之间也发挥部分平滑效应;投保模式选择必须考虑需求环境特性.
Abstract
We model the secondary supply chain system composed of a supplier and a seller as an example.Based on different policy-holders,this paper discusses the effect of interruption risk transfer and specific impact mechanism of the supplier-insured,seller-insured,and co-insured models,and provides theoretical support for supply chain collaborative management and control of interruption risk and innovation of business interruption insurance mode for major public emergencies.The relevant research conclusions include:Business interruption insurance for major public emergencies can effectively transfer the risk of enterprise interruption,and achieve the goal of value realization and value appreciation through supply chain transmission;The choice of the best policyholder between the manu-facturer and the seller depends on specific circumstances;The business interruption insurance for major public emergencies has a certain complementary and replacement relationship with the interruption penalty contract and the wholesale price contract,and also has a certain smoothing effect between the interruption penalty coefficient and the order quantity.
关键词
重大突发公共事件营业中断险/中断惩罚/协同管控/中断风险转移Key words
business interruption insurance for major public emergencies/interruption penalty/collaborative management/interruption risk transfer引用本文复制引用
出版年
2024
NETL
NSTL
万方数据