关键词: 营业中断保险；运营中断风险；风险转移；保费率

Abstract: As an important means of risk management, business interruption insurance can effectively transfer the risk of business interruption and help enterprises resume normal operation. In this paper, it is assumed that there is a supply chain system composed of only a manufacturer, a retailer and an insurance company. The manufacturer sets wholesale price and the retailer sets order quantity to meet the definite market demand, the insurance company sets appropriate price (premium rate) for insurance products to attract manufacturers or retailers. Supply disruption risk coefficient was introduced to describe the operational disruption risk, and disruption penalty coefficient, goodwill loss and financing cost loss were used to analysis the impact of disruption on the supply chain. On the basis of the above, four strategies in purchasing BI insurance qre explored: manufacturer's individual purchase strategy, retailer's individual purchase strategy, joint purchase strategy (joint purchase by manufacture and retailer) and non-purchase strategy. Double integral, convex optimization method and zero-point theorem are used to explore the purchase boundary of business interruption insurance, and to analyze the differences in risk transfer effects of different strategies and the similarities and differences in the value realization process. It is found that： (1)In terms the effect of transferring the risk of operation interruption, joint purchase strategy is better than no purchase strategy and retailer purchase strategy, manufacturer purchase strategy is better than no purchase strategy, and whether joint purchase strategy is better than manufacturer purchase strategy is determined by the value of ξR－φ; (2)Joint purchase strategy and manufacturer’s purchase strategy can realize the insurance value and increase its value. Whether the retailer has the same effect depends on the value of ξR－φ; (3)The premium rate is negatively correlated with the insured amount and the return on premium investment. Among the four strategies, the joint purchase strategy has the highest insurance amount and premium investment yield. To increase revenue, insurance companies should set the price of business interruption insurance on the basis of comprehensive consideration of premium rates, insured amount and investment yield, and actively develop new insurance products and insurance models;(4)The introduction of BI insurance can promote the cooperation of supply chain members, transfer the risk of business interruption, achieve a win-win situation for multiple parties, and ensure the continuous stability of the cooperative relationship through the conclusion of contracts. In conclusion, the exploration on the strategies in purchasing BI insurance offers decision support for companies in dealing with operational interruption risk, and studies on insurance pricing and product development provide theoretical guidance for insurance companies.

Key words: business interruption insurance; operational interruption risk; risk transfer; premium rate