امكان‌سنجي اقتصادي تاسيس شركت تخصصي بيمه صنايع نفت، گاز و پتروشيمي در ايران

Economic Feasibility of Establishing a Specialized Insurance Company in Oil, Gas and Petrochemical Industries in Iran

صنايع نفت، گاز و پتروشيمي در ايران سهم قابل توجهي در توليد ناخالص داخلي دارند. درآمدهاي ارزي حاصل از استخراج و صدور نفت‌خام يا استفاده از آن به عنوان ماده اوليه در صنايع پتروشيمي و صادرات آن، نقش مهمي در اقتصاد ايران دارد. ازطرف‌ديگر زنجيره عمليات در اين صنايع، فرايندهايي سرشار از انواع ريسك‌ها بوده و مستلزم سرمايه‌گذاري‌هاي هنگفتي است. دراين‌ميان نقش بيمه به‌عنوان يكي از ابزارهاي مديريت ريسك در اين صنايع پررنگ مي‌شود. بنابراين امكان تاسيس شركت تخصصي بيمه صنايع نفت، گاز و پتروشيمي به‌عنوان مسيله‌اي جدي نمود پيدا مي‌كند. درهمين‌راستا، هدف كلي تحقيق حاضر بررسي امكان تاسيس شركت تخصصي بيمه در صنايع نفت، گاز و پتروشيمي و ارايه راهكارهاي پيشنهادي جهت تاسيس آن با استفاده از روش‌هاي آماري و اقتصاد مهندسي است. نتايج اين تحقيق گوياي آن است كه تاسيس شركت تخصصي بيمه صنايع نفت، گاز و پتروشيمي در ايران توجيه اقتصادي دارد.

Oil, gas and petrochemical industries have significant contributions in Iran’s Gross Domestic Product. Foreign currency income from extracting and exporting crude oil and various uses in petrochemical industries as raw material play an important role in Iran’s economy. On the other hand, the operations of these industries include processes which are full of different risks and require huge investments. Therefore, insurance can play an important role as a risk management tool and the possibility of establishing a specialized insurance company for oil, gas and petrochemical industries appears a serious issue. By establishing such a company, the insurance industry will be acquainted with the existing risks in petroleum industry as the petroleum industry will be acquainted with technical and financial capacity of insurance industry. This research considers economic feasibility of establishing a specialized insurance company in oil, gas and petrochemicals by using statistical and economic engineering methods. Through statistical methods, data is collected, categorized and analyzed in accordance with codified assumptions. Through economic engineering methods, the feasibility of establishing a specialized insurance company in oil, gas and petrochemical industries is considered using different scenarios and usage of insurance data for the years 2001 to 2010. The results show that establishment of a specialized insurance company in oil, gas and petrochemical industries has an economic justification.