CAJ | 학술논문

结合火灾公众责任保险的推广,从火灾风险评估和火灾保险费率厘定两个方面入手,通过专家打分,采用层次分析法对火灾风险进行半定量评估,得到了商场建筑火灾风险评估的指标体系。然后,提出基于神经网络的火灾保险与保险费率的对应机理,得到指标权重与费率对应关系,进而通过某商场投保实例验证此方法的可行性和合理性。
결합화재공음책임보험적추엄,종화재풍험평고화화재보험비솔전정량개방면입수,통과전가타분,채용층차분석법대화재풍험진행반정량평고,득도료상장건축화재풍험평고적지표체계。연후,제출기우신경망락적화재보험여보험비솔적대응궤리,득도지표권중여비솔대응관계,진이통과모상장투보실례험증차방법적가행성화합이성。
With the promotion of Public Liability Insurance of Fires（PLIF）,the correlation between fire risk assessment and insurance rating was studied firstly.The Analytic Hierarchy Process（AHP） was applied to conduct semi-quantitative fire risk assessment,and to attain the fire risk assessment index system of shopping centre.Then,this paper proposed neural network-based corresponding mechanism between fire insurance rate and AHP index weights.Through a case study of existing shopping centers in Shanghai,it proves that the method proposed in this paper is reasonable and adaptive.