Enterprise environment risk identification and grading method

Abstract

The invention discloses an enterprise environment risk identification and grading method, which comprises the following steps of: (1) carrying out safeguard analysis: carrying out safeguard analysis according to a plurality of dimensions such as randomness, moral risk, public policy and legal limitation, risk undertaking property and the like of an environment risk of an industry to which an enterprise belongs, and giving a quantitative result of the analysis; (2) accident risk analysis: analyzing production factors such as raw and auxiliary materials, a production process and equipment facilities in the production, transportation and storage processes of an enterprise, and environment-friendly treatment equipment and facilities, and giving an analysis result; in conclusion, by comprehensively considering the industry background, the production process, the accident risk, the economic loss and the cumulative risk of the enterprise, a scientific basis is provided for the risk pricing of the environmental pollution liability insurance. Through quantitative analysis and multi-dimensional evaluation, the accuracy of environmental risk identification can be improved, more reasonable premium pricing can be realized, and finally an enterprise is helped to obtain more appropriate environmental pollution liability insurance guarantee.

Description

Technical Field

[0001] The present invention belongs to the technical field of enterprise environmental risk assessment, and in particular relates to an enterprise environmental risk identification and grading method. Background Art

[0002] The goal of premium risk pricing is to quantify economic losses, and existing environmental risk identification and classification methods are usually developed based on environmental protection and management goals and corporate risk prevention and control goals. For example, the government's needs for grading and classification of corporate environmental risk administrative management, ecological environmental quality requirements for a certain river or environmental protection area, and protection of the original ecology of the natural environment. The results are usually a combination of qualitative and quantitative methods, and management countermeasures and measures are given.

[0003] The existing methods lack the screening and judgment of the insurability of enterprises before assessment, and the results produced after assessment are inconsistent with the insurance coverage. For example, the risk results caused by the high environmental factors of an enterprise are not within the insurance coverage, and the difference between the policy coverage and the environmental risk impact distance is not fully considered. The assessment results issued according to the existing methods will cause large deviations in the identification and pricing of the actual risks of premiums; furthermore, the existing methods are mainly based on the historical review of environmental risks and existing risks, and lack the medium- and long-term, cumulative risk assessment results that are of concern to continuous policies. Summary of the invention

[0005] The present invention aims to provide a method for identifying and grading environmental risks of enterprises, which can realize the insurability analysis of environmental risks of enterprises, the identification and classification of environmental risks, risk analysis grading, scoring, calculation and quantification, and provide the coverage premium range and insurance plan of environmental pollution liability insurance according to the calculation and quantification results.

[0006] In order to solve the above technical problems, the present invention adopts the following technical solutions: A method for identifying and grading enterprise environmental risks, including: (1) Insurability analysis: Conduct insurability analysis based on multiple dimensions, including the randomness of environmental risks, moral risks, public policies and legal restrictions, and risk acceptability of the industry to which the enterprise belongs, and provide quantitative results of the analysis; (2) Accident risk analysis: Analyze the production factors such as raw and auxiliary materials, production processes and equipment facilities, and environmental protection treatment equipment and facilities during the production, transportation and storage process of the enterprise, and give the analysis results; (3) Economic loss estimation: Analyze the risk diffusion types and scenarios that may occur in unexpected situations in the enterprise, analyze the impact range based on sensitive receptors that may cause economic losses at different distances around the accident site, and obtain probability-economic loss estimation results under multiple scenarios through the industry environmental risk loss probability curve; (4) Cumulative risk analysis: Analyze the cumulative risks that may be generated by enterprises in high-pollution industries, and provide risk levels and potential loss estimates; (5) Risk pricing results: Based on the above method and the insurance coverage, the environmental pollution liability insurance premium and insurance plan are obtained.

[0007] Compared with the prior art, the invention has the following beneficial effects: the invention relates to risk pricing technology for liability insurance products, and the evaluation and classification of enterprise environmental risks is one of the key factors in determining the premium of enterprise environmental insurance. Enterprise environmental risk assessment is a systematic process that aims to identify, analyze and evaluate potential environmental risk factors in the production and operation activities of enterprises, as well as the negative impacts these risks may have on surrounding production, life and ecological environment.

[0008] Compared with the environmental risk assessment technology used in the field of traditional environmental system science, the environmental risk assessment technology used for environmental pollution liability insurance premium risk pricing has significant differences in assessment application conditions, process control and result management: 1) It is necessary to screen the insurability of the enterprise. The insurability analysis includes whether the homogeneous insurance unit meets the law of large numbers, whether the accident is accidental, whether the accident can meet the legality requirements, and whether there must be pure risk loss (not moral hazard). 2) The risk assessment results used for premium pricing need to focus on quantifiable economic losses within the scope of environmental insurance coverage; 3) The risk assessment process and results are described by quantitative data and are continuous and adjustable.

[0009] The present invention provides a scientific basis for the risk pricing of environmental pollution liability insurance by comprehensively considering the industry background, production process, accident risk, economic loss and cumulative risk of the enterprise. Through quantitative analysis and multi-dimensional evaluation, it can not only improve the accuracy of environmental risk identification, but also achieve more reasonable premium pricing, and ultimately help enterprises obtain more appropriate environmental pollution liability insurance protection. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] The accompanying drawings are used to provide a further understanding of the present invention and constitute a part of the specification. Together with the embodiments of the present invention, they are used to explain the present invention and do not constitute a limitation of the present invention. In the accompanying drawings: Figure 1 The present invention is a principle block diagram of a method for identifying and grading enterprise environmental risks. DETAILED DESCRIPTION

[0013] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0014] The present invention is further described in detail below in conjunction with embodiments.

[0015] like Figure 1 As shown, a specific embodiment of a method for identifying and grading enterprise environmental risks provided by the present invention is as follows: A method for identifying and grading enterprise environmental risks, including: (1) Insurability analysis: Through multi-dimensional insurability analysis, the insurability of corporate environmental risks is screened to provide a basis for subsequent risk assessment and pricing; specific analysis dimensions include industry environmental risk randomness, moral risk, public policy and legal restrictions, and risk acceptability. Through the above-mentioned dimensional analysis, a quantitative insurability score is given. If the score reaches the insurability standard, the subsequent risk assessment stage will be entered; if the score is lower than the insurability standard, risk rectification measures will need to be taken; Randomness of industry environmental risks: Analyze the volatility of environmental risks in the industry to which the enterprise belongs. For example, the pollutant emission standards, environmental protection requirements, and accident frequency of different industries can be used to determine the randomness of the risks.

[0016] Moral risk: assessing the environmental awareness and governance capabilities of enterprises, including the company's investment in environmental protection, management system construction, and compliance with laws and regulations.

[0017] Public policies and legal restrictions: Analyze the impact of relevant policies and laws on corporate environmental risks, such as government environmental management requirements, policy subsidies or penalties, and regulatory intensity.

[0018] Risk acceptability: Assess the company's ability to accept environmental risks, including financial stability, emergency management capabilities, insurance history, etc.

[0019] (2) Accident risk analysis is used to assess the accident risks of enterprises during production, transportation and storage, and to quantify potential environmental pollution accidents and their impacts. The analysis factors mainly include the composition of raw materials and product characteristics, production processes and equipment facilities, management systems and operating procedures, and risks in transportation and storage. By analyzing the above factors item by item, a risk score is assigned to each production and transportation link of the enterprise, and finally a total accident risk score is formed. Enterprises with higher scores may have a greater risk of environmental accidents and need to increase insurance premiums or take other prevention and control measures.

[0020] Among them, the composition of raw materials and product characteristics: analyze the environmental hazards of the raw materials, chemicals and intermediate products used by the company. For example, the presence of flammable, explosive, toxic or harmful substances, whether they meet environmental safety requirements.

[0021] Production process and equipment facilities: Evaluate the completeness of the environmental protection facilities and equipment in the company's production process, including the efficiency of facilities such as waste gas emissions, wastewater treatment, and solid waste treatment.

[0022] Management system and operating procedures: Inspect whether the company's environmental management system is sound, whether the operating procedures are standard, and whether employees receive regular environmental protection and safety training.

[0023] Risks in transportation and storage: Analyze the potential risks to the environment during the company's transportation process, including risks of leakage, overflow, accidents, etc. during transportation.

[0024] (3) Estimation of economic losses: based on the possibility of an accident and its scope of impact, estimate the economic losses that the enterprise may face, providing a basis for insurance pricing; The analysis content includes: accident types and diffusion paths, economic loss impact scope and industry loss probability curve; Accident types and diffusion paths: Analyze accident types (such as oil spills, exhaust emissions, etc.) and their diffusion paths through historical data and simulations. For example, the direction, speed, and affected area of ​​pollutants.

[0025] Economic loss impact range: Evaluate the economic losses within different distance ranges based on the accident location and surrounding environment. Analyze the damage to surrounding residents, businesses, natural resources and ecological environment.

[0026] Industry loss probability curve: Use the industry's historical accident data to establish economic loss probability curves under different risk scenarios. Calculate the possible economic losses based on different accident types and loss scenarios.

[0027] Combined with the possible scenarios of the accident, the probability model is used to estimate the economic losses in different scenarios and calculate the loss probability of the accident. Through these data, the potential economic losses of the enterprise in different risk scenarios can be quantified.

[0028] (4) Cumulative risk analysis: for enterprises in high-pollution industries, assess their potential losses in terms of medium- and long-term cumulative environmental risks; The analysis includes: the accumulation effect of pollutants, the environmental recovery cycle, and the industry cumulative risk assessment; Accumulation effect of pollutants: Analyze the long-term accumulation effect of pollutants discharged by enterprises in the environment. Consider the cumulative impact of pollutants on soil, water sources, air, etc., as well as their potential threats to ecosystems and human health.

[0029] Environmental recovery cycle: Evaluate the cycle and cost of environmental recovery once a pollution incident occurs. For highly polluting enterprises, cumulative pollution will increase the long-term cost of environmental governance and recovery.

[0030] Industry cumulative risk assessment: Combined with industry characteristics, the long-term effects of environmental pollution are considered, such as the overall risk accumulation caused by multiple small-scale pollution.

[0031] By analyzing the cumulative risk, the risk level and potential loss estimate are given. For enterprises in highly polluting industries, there may be a higher risk level and long-term cumulative losses. Insurance companies need to consider this factor when setting premiums.

[0032] (5) Risk pricing and insurance plan: Based on the above analysis results, calculate the insurance premium and formulate a reasonable insurance plan. The calculation process is: Integrate various risk scores: Comprehensively analyze the scoring results of insurability analysis, accident risk analysis, economic loss estimation and cumulative risk to form a comprehensive risk score.

[0033] Risk premium calculation: Based on the comprehensive risk score and industry historical data, combined with the insurance coverage and risk transfer capabilities, the corresponding premium price is formulated.

[0034] Insurance plan formulation: Based on the risk pricing results, we provide enterprises with a variety of insurance plans, taking into account different coverage, exemption clauses, compensation limits, etc., to ensure that enterprises receive appropriate protection under different risk scenarios.

[0035] It should be noted that, in this article, terms such as "comprises", "includes" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or apparatus that includes a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or apparatus.

[0036] Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and variations may be made to the embodiments without departing from the principles and spirit of the present invention, and that the scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. A method for identifying and grading enterprise environmental risks, characterized by: include (1) Insurability analysis: Conduct insurability analysis based on multiple dimensions, including the randomness of environmental risks, moral risks, public policies and legal restrictions, and risk acceptability of the industry to which the enterprise belongs, and provide quantitative results of the analysis; (2) Accident risk analysis: Analyze the production factors such as raw and auxiliary materials, production processes and equipment facilities, and environmental protection treatment equipment and facilities during the production, transportation and storage process of the enterprise, and give the analysis results; (3) Economic loss estimation: Analyze the risk diffusion types and scenarios that may occur in unexpected situations in the enterprise, analyze the impact range based on sensitive receptors that may cause economic losses at different distances around the accident site, and obtain probability-economic loss estimation results under multiple scenarios through the industry environmental risk loss probability curve; (4) Cumulative risk analysis: Analyze the cumulative risks that may be generated by enterprises in high-pollution industries, and provide risk levels and potential loss estimates; (5) Risk pricing results: Based on the above method and the insurance coverage, the environmental pollution liability insurance premium and insurance plan are obtained.

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