Research On Classification Of Loss Risk On Industrial Enterprise

The accident and natural disaster are the important reasons which affect the property loss of the industrial enterprise. With the development of economy, disaster and accident’s serious degree increase year by year, the industrial enterprise damage which caused has also increased. It’s mostly used the industry characteristics to classify the industrial enterprise loss risk, and the analysis isn’t on the basis of the nature of the risk and the characteristics of the enterprise loss. This situation leads to the science of risk classification is not enough, and affects the loss control for the property insurance and the transfer of risk.Only to find out the nature from a wide variety of risk, and the risk will be accurately reflected through the description of the nature of risk, then to classify the loss risk of the industrial enterprise.This paper is based on the research of the loss risk on the industrial enterprise in the past, and analyse the problem of the unreasonable classification of the risk loss. The research object and scope are limited in the first. This paper analyzes the loss risk characteristics of the industrial enterprise from the accident happened possibility, the consequences severity and lost time characteristics and controllability, and divided it into five levels according to impacting extent to the loss. Then the paper analyzes the risk factors which impactes the enterprise loss from three aspect, enterprise inherent factor, enterprise region area, enterprise specific situation. This paper analyzes both against ability and the loss ability from the disaster or accident, and divided into four levels. Then this paper lists the risk matrix according to the enterprise loss risk characteristics, enterprise loss risk factors, losses sensitivity using the class RAC method in order to make the loss risk classification, and put forward the corresponding counter measures. Finally one practical example is provided to verify the feasibility of the classification method. And this paper in order to provide the basis for the reasonable risk management for the industrial enterprise itself, and for the acceptence of the insurance company, and the work for the safety supervision department.