铁路可保风险识别及管理对策研究

Research on identification and management countermeasures of railway insurable risks

为发挥金融保险在铁路高质量发展中的风险管理功能,以铁路建设、客货运营、经营管理为主线,采用定量定性等方法,识别评估铁路各阶段面临的可保风险。结合保险原理,提出要发挥保险转移风险、分摊损失和经济补偿的职能,运用自保公司丰富铁路风险管理工具。结果表明:在铁路工程建设、客货运输、复兴号品牌战略等经营管理中,铁路企业要提高保险意识,对可保风险运用保险手段开展风险管理,把不确定的损失费用转化为确定的保费支出,促进铁路安全平稳、高质量发展。

In order to give full play to the risk management function of insurance in high-quality development of China railway,with railway construction,passenger and freight operation,and operation management as main lines,insurable risks faced by China railway at various stages were identified and evaluated by using quantitative and qualitative methods.Then,based on insurance principles,it was proposed that functions of insurance to transfer risks,share losses and for economic compensation should be exerted,and self-insurance companies should be employed to enrich railway risk management tools.The results show that in the operation and management of railway engineering construction,passenger and freight transportation,and Fuxinghao brand strategy,railway enterprises should improve insurance awareness,use insurance methods to manage insurable risks,and convert uncertain loss costs into certain insurance premiums so as to promote the safe,stable and high-quality development of railway.