شناسایی و اولویت بندی ریسک‏‌های بیمه‏ های شرکت‏‌های هواپیمایی با استفاده از روش تحلیل سلسله مراتبی فازی گروهی

نوع مقاله : مقاله پژوهشی

نویسندگان

1 گروه مهندسی صنایع، دانشکده فنی و مهندسی، دانشگاه علم و فرهنگ، تهران، ایران

2 گروه مهندسی صنایع، دانشگاه علم و فرهنگ، تهران، ایران

چکیده
این تحقیق به دنبال اولویت ‏بندی ریسک‏های بیمه‏ های شرکت‏های هواپیمایی است . ریسک‏های اولیه از ادبیات تعیین و با استفاده از نظر خبرگان با مقایسه زوجی فازی ریسک‏ها مقایسه شده اند. با روش مربعات خطای تعمیم‏یافته، نظرات ناسازگار اصلاح شده است . یافته‌ها نشان‏دهنده‏ 4 نوع ریسک اصلی و شاخصهای آن است که عبارتند از: ریسک‏های مالی داخلی شامل ریسک کفایت و کیفیت سرمایه‏‏، ریسک نسبت عملیاتی‏‏، ریسک عدم تحقق درآمد و ریسک نقدینگی‏‏، ریسک‏های غیر مالی داخلی شامل ریسک اعتباری‏‏، منابع انسانی و فرایندها و سیستم‏های داخلی شرکت‏‏، ریسک‏های خارجی شامل ریسک تحریم‏ها‏‏، ریسک جنگ‏ها‏‏، ریسک حوادث و بلاهای طبیعی و ریسک بازار و ریسک‏های مشتری شامل ریسک رویگردانی مشتری و ریسک ورشکستگی و اعتبار. ریسک مالی داخلی با اهمیت‏ترین ریسک و ریسک مشتری کم اهمیت‏ترین ریسک است. مهم‏ترین شاخص ریسک‏‏، ریسک تحریم‏ها است و کم اهمیت‏ترین شاخص ریسک‏‏، ریسک فرایند‏ها و سیستم‏های داخلی شرکت است.

کلیدواژه‌ها


عنوان مقاله English

Prioritization of airline company insurance risks using the GFAHP method

نویسندگان English

Morteza Khakzar Bafruei 1
Dorsa Sadat Kiaei 2
1 Department of Industrial Engineering, Faculty of Engineering, University of Science and Culture, Tehran, Iran
2 Department of industrial engineering, Faculty of Engineering, University of Science and Culture, Tehran, Iran
چکیده English

The aims of this research is to prioritize airline insurance risks, In order to identify and categorize the risks, the initial risks were determined from the literature review and then the risk tree was drown using the experts' opinion. Fuzzy paired comparison questionnaire has been used to prioritize risks. After collecting the experts' opinions, if the answers are inconsistent, the inconsistent opinions have been corrected with the generalized error square method, and finally, the collective opinions of the experts have been used as the criteria for risk ranking. The findings of this research indicate the identification of 4 types of main risks and their indicators in the aviation insurance industry, which are: a) Internal financial risks including capital adequacy risk, capital quality risk, operating ratio risk, The risk of non-realization of income and profit and liquidity risk; b) internal non-financial risks including credit risk, human resources risk and the risk of the company's internal processes and systems; c) external risks including sanctions risk, the risk of wars and military conflicts, the risk of natural disasters and market risk, and d) customer risks, including the risk of customer churn and the risk of bankruptcy and credit. Among these 4 types of defined risks, internal financial risk is the most important risk and customer risk is the least important risk according to experts' opinions. The most important risk index is the risk of sanctions and the least important risk index is the risk index of the company's internal processes and systems.

کلیدواژه‌ها English

Insurance risk
Transportation companies
Hierarchical analysis
Group decision making
fuzzy theory
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