Risk Assessment And Insurance Research Of Marine Fishing Vessels

Fishery production has been listed as one of the eight high-risk industries in our country,which is characterized by high risk,serious disaster,high mortality rate and huge loss,etc.Therefore,risk management of fishery should be strengthened in order to reduce its casualties and property losses.As the carrier of fishery production operation,the risk assessment of fishing vessels is carried out,it can provide reference basis for formulating safety management of fishing vessels.Meanwhile,the risk assessment results can guide the adjustment of insurance rate of fishing vessels,which is conducive to promoting the stable development of China’s fishing vessel insurance and solving the problem of slow development of China’s fishing vessel insurance.This paper puts forward a risk assessment model of fishing vessel based on Bayesian network,and studies the insurance rate on the basis of risk assessment.Firstly,the types of fishing vessel accidents and the factors affecting the consequences of accident losses are analyzed based on the historical accident data,and then the risk analysis is carried out from the four aspects of human,fishing vessel,environment and management based on the system safety theory.On the basis of risk analysis and combining with previous studies on risk assessment of fishing vessels,the Bayesian network risk assessment model of fishing boats was constructed based on the method of transforming Fault tree into Bayesian network.Based on the data of Liaoning Fishing Vessel Mutual insurance Association,the Bayesian network was used for risk assessment,and the feasibility of the Bayesian network for risk assessment of fishing vessels was finally verified.On this basis,this paper analyzes the current situation and existing problems of fishing vessel insurance.By studying the mature fishery insurance systems of Japan and South Korea,this paper puts forward several suggestions for our country’s fishery insurance,lists the insurance clauses of fishing vessels,and adjusts the insurance rates of fishing vessels based on the existing insurance rates.Finally,taking a fishery company in Liaoning province as an example,the risk assessment of its fishing fleet is carried out,and the insurance rate of the fishing company’s fishing vessels is adjusted according to the risk assessment results.