Since the end of the 18th century,，Enterprises in developed countries are generally keen to buy business interruption insurance.、Help enterprise restore production、Make an important role in ensuring the continuous and stable development of enterprises。my country introduced business interrupt insurance in the mid -1990s，But it has been in a more marginal development state for a long time，The enthusiasm of the purchase of the company is not high。Explore deep causes of this problem，Help the enterprise insured business interruption insurance and formulate a reasonable risk protection plan，It will help ensure the sustainable development of Chinese enterprises。

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Business interrupt insurance，Also known as profit loss insurance，Also name indirect loss insurance。If you suffer from natural disasters or accidents，The material property of the insured enterprise (the insured) is damaged within the scope of insurance liability，Enterprises that insured business interruption insurance can discontinue production during the damage of material property、Direct economic losses and necessary expenses caused by the affected or affected by business，Calculating from the insurance company。

As a supply chain interrupt risk pipe control weapon，Business Interrupt Insurance has been a general selection of insurance allocation of enterprises in developed countries since its introduction，better guarantee the normal operation of the enterprise。"September 11" The amount of insurance compensation after the terrorist attack is nearly 40 billion US dollars，Among them, the share of business interrupt insurance compensation is roughly 33%。There are nearly 50 insurance companies in my country operating business interrupt insurance，But there are not many bet365 best casino games companies purchased。This is not conducive to enterprises when they stop working or postponed due to natural disasters or accidents，Effective compensation for the loss of business interruptions it suffered。

If the enterprise insured business interrupt insurance，The risk of business interruption is transferred to the insurance company。After the business interruption occurs，Enterprises can apply to insurance companies to pay some funds in advance，Reconstruction and restoration，Avoid funds shortage、Cash flow break，Timely reinvestment，It can also enhance the confidence of the investment and integration of the investment and the supply chain upstream and downstream node enterprises。Business interrupt insurance strategy can better help enterprises reduce risk management costs，Guarantee enterprise sustainable operation，To maximize the value of the enterprise。

　2、Promote and promote business interrupt insurance，Joint Force Guide Enterprise Rawnate Insurance。

Time to launch business interruption insurance in my country is short，Complex insurance type，Learn for professional talents，Insufficient supply and demand power，Therefore, the relevant parties need to be supported and promoted。

Increase business interrupt insurance publicity。This research team realized through the initial research，90%of enterprises do not know business interrupt insurance，10%of the companies have heard of it, but there is a blind spot and the limitations of understanding。Therefore, it is necessary to increase business interruption insurance publicity，The importance of a promotional video or knowledge lecture can realize the importance of interruption risk prevention，and objective business interrupt insurance、Publicity。

Accelerate the construction of insurance professionals in business interruption。Compared with corporate property insurance，Business interrupt insurance is developing in insurance types、Product pricing、Undergraduate claims and other technical requirements are higher。Current，Universities Bet365 lotto review that have opened insurance major in my country have not yet opened business interruption insurance research directions，Related theoretical system construction is relatively lagging，Insufficient business capabilities after students enter the insurance company，Business interruption Insurance Insurance Cosmetics Lack of Professional Talents。To strengthen the construction of the insurance talent team for business interruptions，Insurance companies can regularly conduct business training for working personnel，You can also jointly train business interruption insurance professionals with universities，You can also introduce high -precision talents from other countries。Through the China Banking Regulatory Commission、Insurance Company、Joint efforts of universities and insurance brokerage companies，Putting talent training in implementation。

Strengthening multi -department cooperation。Relevant public and private institutions should strengthen cooperation，Integrated insurance industry、Corporate and public resources，In -depth research of insurance transfer problems for corporate risks，Jointly explore how to improve the professional technology and corporate risk management capabilities of insurance companies。At the same time，Government departments at all levels can coordinate with each other、Discussion for business interrupt insurance support policies，Especially tax reduction policy。Subsidies for business interruption insurance insurance premiums have been implemented in some provinces in my country，This can improve the motivation of the enterprise's insurance，It can also reduce the pressure of corporate premium expenditure，It can also drive insurance companies' insurance products innovation，worth promoting。

　　3、Develop new insurance products，Rich existing product line，Meet the actual needs of the enterprise。

my country's existing business interrupt insurance products，It is mainly designed by reference to the relevant insurance bet365 Play online games clauses of the United Kingdom and the United States，Product similarity and insufficient guarantee function。Insurance companies must fully excavate the potential of customers、Deep layer、Diversity、Based on special needs，Deeply recognize the flexibility and applicability of business interrupt insurance products，Develop insurance products that are suitable for the road to the road。For the near future，Emergency innovation of insurance companies develops at least 25 business interruption insurance products，Business interrupt insurance has ushered in a pioneering opportunity。

Expand the scope of insurance insured。In our country，Business interrupt insurance is an additional insurance for property insurance，It can only be purchased after the enterprise insured property insurance。Insurance companies can refer to the precedent for individual countries in some countries，Expand the scope of underwriting，Introduction of business interrupt insurance products that can be purchased and purchased separately，Convenient for enterprises flexibly choose according to their own needs。Expansion of the scope of insurance underwriting，Can effectively improve the status of business interrupt insurance in my country's insurance system。

Broaden insurance coverage。Since its birth，The coverage of business interruption insurance has been expanding trend。Insurance companies need to be based on the existing business interrupt insurance products，Developed additional products that broaden the coverage of insurance coverage。On the one hand，Expand the additional types of insurance products。As some insurance companies in my country have developed a computer operation interrupt clause、Terms of channel blockage、Supplier and customer extension clauses，Insurance companies can continue to expand product additional types on this basis，You can also deepen the development of a certain type of additional products。On the other hand，Expansion of the Bet365 app download industry type。This research team is found through a lot of research，Existing business interruption insurance products are difficult to meet most high -tech enterprises' needs，Differences for it and general enterprises，Insurance companies can tailor insurance products for high -tech enterprises。

Develop new insurance products。Enterprises are always in the supply chain system，When the supply chain system is separated from running smoothly，Enterprises may suffer huge losses。In order to reduce the risk loss caused by related issues，Insurance companies can develop the supply chain system dependent product，To accurately meet corporate needs。This research team realized through research and development，Many supply chain upstream and downstream node companies have the needs of joint purchase of business interrupt insurance，Insurance companies can design insurance solutions on the basis of exploring the specific needs of enterprises，Launched a joint insurance product。

　　4、Innovation insurance mode，Stealing the height of profit growth，Cultivate the core competitiveness of insurance companies。

Innovation and insurance cooperation mode。Current，Chinese enterprises are actively building a comprehensive risk management system，Demand for risk management products huge。Insurance companies can provide risk management value -added services，If you provide insurance insurance consultation、Disaster prevention and loss、Risk claims、Insurance financing and other services，Make big data risk management，Provide information for enterprises、All -round services in the fields of technology and management，This new business operation model can create a new profit growth point for insurance companies。Insurance companies can provide the above value -added services on the basis of charging a certain amount of annual fees，Reconstruction of business interruption insurance knowledge lectures，Risk prevention of corporate managers who have not purchased business interruptions for the time being、Risk Bet365 lotto review recognition、Knowledge training in risk loss and risk transfer，Let the senior managers of the enterprise aware of the importance of interrupt risk management，Promoting the enterprise from external promotion to formulating appropriate risk guarantee plans。The business operation model innovation of the insurance company will increase the insurance insurance rate of the business interruption of the enterprise，The ability to improve the disaster prevention and loss of enterprises，Comprehensive improvement of insurance companies' profits。

Innovation and cooperation mode。Insurance companies can make some profitable space small、Cousin process is boring、High professional and technical requirements、Insurance products with large demand products outsourcing to insurance brokerage company，The product design and development from the industry risk management database and loss measurement model，Entrust its production and sales。Insurance companies must dig at customers with insurance brokerage companies、Cooperative development、In -depth cooperation in areas such as agency sales and claims disputes，Realize win -win development。

Innovative insurance product sales model。On the one hand，Sharing through sales channels and customer resource sharing，Explore cross -product、Crossing the company、Cross -industry cross -selling model，Vigorously develop cross -sales。On the other hand，In the "Internet+" era，Insurance companies must fully recognize the future value of online sales and change channel preferences for enterprise purchase channels，Timely connecting online and offline sales channels。Insurance companies can build a diversified sales channel，Change the status of the past excessive dependence on traditional sales channels，Broaden marketing channels，Improve channel marketing efficiency。

(This article is the National Natural Science Foundation of China "Considering the Research on Risk Transfer Strategy of Risk Transferring Risk Transfer of Business bet365 best casino games Interrupt Insurance" (71802075)、The Hunan Provincial Natural Science Foundation project "Research on the Optimization of Logistics Order Delivery in Information Technology Environment" (2017JJ3009) phased achievement)

(Author Unit: Academy of Accounting, Hunan Institute of Finance and Economics)