Search

CN-122022469-A - Building fire risk and secondary disaster accident risk assessment method

CN122022469ACN 122022469 ACN122022469 ACN 122022469ACN-122022469-A

Abstract

The invention discloses a building fire risk and a method for evaluating the risk of a secondary disaster accident, which relates to the technical field of fire insurance risk evaluation. The invention realizes the system identification and quantification of the building fire and the secondary disaster risk thereof, improves the accurate pricing capability, the active loss prevention capability and the dynamic wind control level of the insurance industry in the fire risk field, simultaneously stimulates the applicant to continuously improve the fire safety condition and promotes the benign treatment ecology with perceived risk, accompanying premium and front prevention and control.

Inventors

  • XU YANGUI

Assignees

  • 陕西慧享保科技咨询服务有限公司

Dates

Publication Date
20260512
Application Date
20260128

Claims (10)

  1. 1. A method for evaluating fire risks and secondary disaster accidents of a building is characterized by comprising the following steps of, Constructing a interdisciplinary evaluation team, solving the problem of uneven capability of the existing evaluation body, constructing a structural index system, introducing a secondary disaster coupling factor, and carrying out system identification quantification on the secondary disaster risk; Weighting the existing evaluation subject indexes by adopting an analytic hierarchy process to obtain comprehensive risk scores of building fires and secondary disasters thereof, and dividing risk grades; mapping the classified risk level result to a risk premium linkage mechanism, establishing an insurance business closed-loop flow, and opening the linkage between the main body capability and the insurance business; and implementing a dynamic periodic reexamine mechanism, carrying out risk monitoring on the building, and adjusting the risk level and the insurance business premium level according to the fire-fighting condition change.
  2. 2. The method for evaluating fire risks and secondary disaster accident risks of a building according to claim 1, wherein the building structural index system comprises a structural index system formed by four primary dimensions, a plurality of secondary indexes are arranged under each primary dimension, and secondary disaster coupling factors are added as cross evaluation submodules penetrating through the four primary dimensions; the cross evaluation submodule is used for mapping and embedding risk characteristics of the secondary disasters into original indexes respectively to form coupling items; The secondary disaster coupling factor is used for assigning values by adopting quantifiable technical parameters and combining with a historical fire secondary disaster database for calibration to form a standardized scoring rule.
  3. 3. The method for building fire risk and secondary disaster accident risk assessment according to claim 2, wherein the system identification quantification of secondary disaster risk comprises preliminary identification of risk features of secondary disasters induced by the building after the occurrence of fire; Aiming at each type of secondary disasters which are subjected to assignment primary screening by adopting quantifiable technical parameters, calling corresponding coupling factors which are embedded in a structural index system in advance to form a scoring matrix; The method comprises the steps of integrating activated secondary disaster coupling factors into an AHP judgment matrix, comparing and scoring the factors, generating weight vectors after consistency test, introducing a case base of the secondary disaster accident, carrying out retrospective calibration on the weight vectors, multiplying and summing the scores of the factors of the secondary disaster with the weight vectors to obtain secondary disaster risk sub-scores, and taking the secondary disaster risk sub-scores as independent components to participate in calculation of the comprehensive risk scores.
  4. 4. The method for evaluating fire risks and secondary disaster accident risks of building according to claim 3, wherein the step of weighting the existing evaluation main indexes by adopting a analytic hierarchy process comprises the steps of comparing four primary dimensions in pairs to construct a primary judgment matrix; The risk level classification comprises consistency check of each level of judgment matrix, weight values of all indexes are obtained through a feature vector method, a weight system from a primary dimension to a secondary index is formed, a secondary disaster coupling factor is used as a part of the secondary index, and weights are not set in isolation, but participate in global weight distribution together with the primary dimension and the associated trunk index; The method comprises the steps of converting measured values of each index obtained through on-site investigation and data examination into quantitative scores according to a preset standardized scoring rule, multiplying each index score by corresponding weight, summing the multiplied index scores to obtain fire disaster and secondary disaster comprehensive risk scores of the building, and mapping the secondary disaster comprehensive risk scores to five-level risk grades.
  5. 5. The method for building fire risk and secondary disaster accident risk assessment according to claim 4, wherein the mapping the classified risk level results to the risk premium linkage mechanism comprises automatically pushing the risk level results to an insurance company core service system through a structured data interface and mapping the risk level results to a preset risk premium linkage mechanism after the comprehensive risk score of the building fire and the secondary disaster is obtained and classified into 1-5 levels of risk; The method comprises the steps of establishing an insurance business closed loop flow, wherein the insurance business closed loop flow comprises an insurance business closed loop flow based on a mapping result, automatically starting assessment, pricing and service by a system, the insurance business closed loop flow comprises three links which are tightly connected, the first link is risk assessment output, a cross-discipline assessment team completes site investigation, quantitative scoring and risk grade judgment according to a structural index system and a secondary disaster coupling factor and gives an assessment report, the second link is insurance pricing execution, an insurance company business system receives a risk grade field in the assessment report, invokes a built-in rate engine to automatically generate an underwriting decision and a premium scheme, the third link is wind control service response, automatically matches a differentiated service package according to the risk grade, makes fire emergency plans for 4-level and 5-level low-risk buildings, synchronously generates fire hidden danger correction proposal for 2-level and 3-level high-risk buildings, sets correction period and associates reexamine tasks.
  6. 6. The method for building fire risk and secondary disaster accident risk assessment according to claim 5, wherein implementing the dynamic periodicity reexamine mechanism comprises automatically starting the dynamic periodicity reexamine mechanism after the assessment is completed and a risk level and corresponding premium plan are generated; The dynamic periodicity reexamine mechanism is used to set the differentiated reexamine cycles according to the initial level of risk of the building, the level 1 and level 2 high risk buildings are reexamine once per quarter, the level 3 medium risk buildings are reexamine once per half year, and the level 4 and level 5 low risk buildings are reexamine once per year.
  7. 7. The method for building fire risk and secondary disaster accident risk assessment according to claim 6, wherein the building risk monitoring comprises the steps of executing by an original interdisciplinary assessment team, adopting the same structural index system and secondary disaster coupling factor module, comprehensively judging the current fire condition change of the building through on-site investigation, data retrieval and fire control monitoring data of the Internet of things, and comparing the index change condition compared with the previous assessment; The method comprises the steps of adjusting risk levels and insurance business premium levels according to fire condition changes, namely re-assigning reexamine obtained data according to standardized grading rules which are completely consistent with evaluation, calculating updated comprehensive risk scores of fires and secondary disasters of the fires through a hierarchical analysis method, re-dividing 1-5 risk levels according to the same threshold interval, pushing new risk level results to a core business system of an insurance company in real time through a structured data interface after the new risk level results are confirmed by an evaluation team, triggering dynamic adjustment of a risk premium linkage mechanism, automatically generating a premium floating instruction or a new loss prevention requirement by the system if the risk levels are improved, and synchronously adjusting the premium and upgrading service package contents if the risk levels are reduced.
  8. 8. A system for evaluating fire risks of buildings and secondary disaster accident risks thereof is based on the method for evaluating fire risks of buildings and secondary disaster accident risks thereof according to any one of claims 1-7, and is characterized by comprising, The interdisciplinary evaluation and index construction module is used for constructing interdisciplinary evaluation teams, solving the problem of uneven capability of the existing evaluation main body, constructing a structured index system, introducing a secondary disaster coupling factor and carrying out system identification quantification on the secondary disaster risk; The risk quantification and grading module adopts an analytic hierarchy process to weight the existing evaluation main body index to obtain comprehensive risk scores of building fires and secondary disasters thereof, and the risk grades are graded; The risk premium linkage and service closed-loop module maps the classified risk grade result to a risk premium linkage mechanism, establishes an insurance service closed-loop flow, and opens and evaluates the linkage of the main body capability and the insurance service; The dynamic reexamine and premium adjustment module realizes a dynamic periodic reexamine mechanism, performs risk monitoring on the building, and adjusts the risk level and insurance business premium level according to the fire-fighting condition change.
  9. 9. A computer device comprises a memory and a processor, wherein the memory stores a computer program, and the computer program is characterized in that the processor executes the steps of the method for evaluating the risk of fire and the risk of secondary disaster accident of a building according to any one of claims 1 to 7.
  10. 10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method for building fire risk and its secondary disaster accident risk assessment according to any one of claims 1-7.

Description

Building fire risk and secondary disaster accident risk assessment method Technical Field The invention relates to the technical field of fire disaster risk assessment, in particular to a building fire disaster risk and secondary disaster accident risk assessment method. Background At present, as the urban process is continuously accelerated, the urban building body is continuously enlarged, the functions are increasingly complex, high-rise buildings, underground spaces, large commercial complexes and industrial storage facilities are densely distributed, and the fire occurrence probability and the potential destructive power thereof are obviously increased. Meanwhile, fire accidents are often accompanied by secondary disasters such as explosion, toxic smoke diffusion, structural collapse, dangerous chemical leakage and the like, so that casualties, property loss and social influence are caused to be superimposed and amplified. Under the background, the insurance industry is an important force for managing social risks, and needs to incorporate fire and secondary disaster risks thereof into a scientific and fine assessment system. However, the existing fire risk assessment technology has obvious defects in insurance application, an assessment system lacks national standard support, relies on subjective experience to judge index fragmentation and is difficult to quantify, the fire is generally focused only, a secondary disaster coupling mechanism is ignored, the overall risk level of a building cannot be comprehensively reflected, an assessment result and insurance pricing are disjointed, a underwriting decision is still based on static and one-time investigation, a dynamic monitoring and premium linkage mechanism is lacking, and the professional ability of an assessment main body is uneven, so that inaccurate risk identification, large pricing deviation and disaster prevention service shortage are caused. Disclosure of Invention The invention is provided in view of the problems existing in the existing methods for evaluating the risk of building fire and the risk of secondary disaster accidents. Therefore, the invention aims to solve the problems that the existing building fire risk assessment method lacks system consideration on secondary disasters, has insufficient professional ability of assessment main body, fragments an index system and is disjointed with insurance pricing, and dynamic, quantitative and standardized risk premium linkage cannot be realized. In order to solve the technical problems, the invention provides the following technical scheme: In a first aspect, an embodiment of the present invention provides a method for evaluating fire risks of a building and secondary disaster accident risks thereof, including building a interdisciplinary evaluation team, solving a problem of capability discrepancy of an existing evaluation body, building a structural index system, introducing secondary disaster coupling factors, and performing system identification quantification on the secondary disaster risks; Weighting the existing evaluation subject indexes by adopting an analytic hierarchy process to obtain comprehensive risk scores of building fires and secondary disasters thereof, and dividing risk grades; mapping the classified risk level result to a risk premium linkage mechanism, establishing an insurance business closed-loop flow, and opening the linkage between the main body capability and the insurance business; and implementing a dynamic periodic reexamine mechanism, carrying out risk monitoring on the building, and adjusting the risk level and the insurance business premium level according to the fire-fighting condition change. The building structural index system comprises a structural index system formed by four primary dimensions, a plurality of secondary indexes are arranged under each primary dimension, and secondary disaster coupling factors are added to serve as cross evaluation sub-modules penetrating through the four primary dimensions; the cross evaluation submodule is used for mapping and embedding risk characteristics of the secondary disasters into original indexes respectively to form coupling items; The secondary disaster coupling factor is used for assigning values by adopting quantifiable technical parameters and combining with a historical fire secondary disaster database for calibration to form a standardized scoring rule. As an optimal scheme of the method for evaluating the risk of building fire and the risk of secondary disaster accident thereof, the method comprises the steps of carrying out system identification quantification on the risk of secondary disaster, wherein the system identification quantification comprises the primary identification of the risk characteristics of the secondary disaster induced by the building after the occurrence of the fire; Aiming at each type of secondary disasters which are subjected to assignment primary screening by adopting quantifi