摘要
物联网、大数据等互联网新技术在实现安全生产全要素的全面深度互联上发挥着巨大作用,风险管理也得到了各领域各层次持续关注,但在高风险工种作业的风险管理中,风险转嫁仍存在着诸如风险成本和风险概率模型缺失的局限性。从风险管理的困境出发,提出了采用大数据来解决风险管理悖论的可能性,并分析了大数据在风险管理领域的应用研究和案例。行业监管方可作为大数据的框架搭建方和数据收集及利用的监督方,通过数据建模并对数据进行监控从而发现潜在的风险因素,并据此举一反三,从根源上避免相关问题的发生;作业管理方对风险管理呈现主观和客观的考量维度,主观上作为一个理性经济人,矛盾的风险管理方式和逐利的分析决策本质会让其作出理性而非合理的判断,客观上大数据的应用将为高风险作业单位划定合理的阈值范围从而衡定合理的风险溢价;风险转嫁方对待风险的态度取决于风险管理和风险定价,大数据的应用将在一定程度上使得该风险管理领域变得指标化和数字化,并挖掘价值数据满足其提供全方位和个性化的合理风险转嫁需求。最终得出了大数据体系建设的明确监管方主导地位、加强管理方角色代入和优化转嫁方补充衔接的角色定位,给出了大数据体系建设的实施策略等应用建议。
New internet technologies such as the internet of things and big data are playing a significant role in achieving the comprehensive and deep interconnection of all factors of production safety.Risk management has also received sustained attention in all fields and at all levels.However,in the risk management of high-risk profession,risk transfer still has some limitations such as the absence of risk costs and a risk probability model.Starting from the dilemma of risk management,this paper proposes a possible big data solution to the paradox of risk management and explores the applications and case studies of big data in the field of risk management.Industry regulators can serve as the framework builder of big data and the supervisor of data collection and utilization to discover potential risk factors through data modeling and monitoring,and thus avoid related problems from the root.The operational management side presents subjective and objective dimensions of risk management.Subjectively,as a rational economic person,the managers will make rational rather than reasonable judgments based on contradictory risk management methods and profit-seeking decision-making analysis.Objectively,the application of big data will delimit a reasonable threshold range for high-risk operation units so as to balance a reasonable risk premium.The attitude of risk transferers to risks depends on the risk management and pricing.The application of big data will make the field of risk management become indexable and digital to a certain extent,and.make mine value data to meet their comprehensive and personalized needs for reasonable risk transfer.Finally,this paper concludes that establishing the big data system requires clarifying the dominance of regulators,strengthening the participation of managers,and optimizing the supplementary and connective role of transferees.In addition,this paper provides application advices regarding the strategy of establishing the big data system.
作者
王亚君
吕京晶
邢慧茹
何银玉
WANG Ya-jun;LV Jing-jing;XING Hui-ru;HE Yin-yu(School of Economics,Wuhan Polytechnic University,Wuhan 430023,China)
出处
《爆破》
CSCD
北大核心
2022年第3期209-214,222,共7页
Blasting
基金
国家社会科学基金项目(20BJY150)。
关键词
大数据
高风险
风险管理
民爆行业
big data
high-risk
risk management
civil blasting industry
