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北京回龙观大火冲天过后 烧醒了多少人的风险意识

2017-06-06 13:34:31   

“北京回龙观大火”的消息引发关注,据北京消防通报称,6月5日20时46分,119指挥中心接到报警,位于昌平区回龙观鑫地市场发生火灾,指挥中心迅速调派9个中队45部车赶赴现场进行处置,晚间23时20分许,北京消防发布火灾续报称,鑫地市场火灾于晚间23时被扑灭,目前消防官兵正在全力清理现场,火灾过火面积500平米,截至目前火灾已经得到有效控制,无人员伤亡。

业内人士对金融界保险频道表示,随着我国经济的快速发展,各类批发市场应运而生,生意也非常红火,但是,也存在各种风险隐患,例如火灾风险、财产被盗风险、商品存货保险、第三者责任风险以及人身意外风险等等,作为一个合格的市场管理和运营机构,一定会有风险防范意识,防患于未然。根据报道,鑫地火灾无人员伤亡,如果鑫地市场购买了财产保险,向保险公司报案以后,保险公司会根据保险合同的保障范围,对因火灾引发的财产损失进行赔偿。但是,当前,租赁商户的保险意识大多比较薄弱,如果租赁商户没有购买相关财产保险,租赁商户的损失就得不到赔偿。

据报道,北京大多个体商户没有保险意识。在北京天通尾货市场,十平方米左右的铺面鳞次栉比,店铺紧紧相连,多用板子隔开,关门时用草席做帷幕遮挡。两层楼内,有800多个商铺,由于通道众多,各个商铺用编号来区分。一位商铺老板告诉记者,在商场经营不需投保:“我在这儿8年了,没有出现过货物丢失的事儿,商场的消防安全也不错,没出过什么事儿,从来没想过要买保险的事儿。”

同样在北京,明珠百货商场,店铺虽然没有天通尾货市场密集,却也一家挨着一家,服装店、箱包皮鞋店比比皆是。记者询问一位男士是否投保,他说道:“没有,你别吓我,咱们这儿可别出什么事儿。”至于今后是否投保,这位男士表示:“商场估计有吧。货物自己多注意点看好,丢了只能怨自己。火灾这种事儿,来了谁也跑不了。”

而在北京南三环附近的一家大型批发商场,记者咨询了十几家一期商户投保的情况,他们也表示没有为自己的货物投保。三楼经营服装的庞女士告诉记者,租赁摊位的合同中没有提及商品的赔偿问题,“只能证明商户租了这个摊位。”随后她给记者提供了一张空白的合同复印件。记者看到,其中的确没有关于货品损失的内容。而其他如天兰尾货、大红门服装商贸城的商户,只有少数称自己投了保,“商场估计投了吧,具体情况不清楚。”大红门服装商贸城一位商户说。

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