中文摘要：

考虑企业为转移突发事件导致生产中断的损失而购买营业中断保险,其保险赔偿期的优化问题。由于保险赔偿期的长度会影响保险费率以及生产中断后的保险赔偿金,进而影响企业收益,本文在市场需求、销售价格外生给定的情况下,考虑企业购买保险成本、生产中断导致的缺货成本、恢复生产成本等约束,运用金融风险控制工具——CVaR,建立企业购买保险决策模型,在对模型进行优化求解的基础上,分别给出企业为风险中性、风险规避和风险喜好情况下的最优保险赔偿期。研究表明：保险赔偿期决策会随着企业对待风险态度的变化而变化;特别的在风险喜好情况下,企业倾向于不购买营业中断险可能。最后通过算例对模型进行了验证,并对结果进行了解释说明。

英文摘要：

This paper developed the optimization of insurance compensation period considering the enterprise purchases business interrupt insurance to transfer the loss of production interruption caused by the emergency.Due to the insurance compensation period will affect the insurance premium and the compensation that enterprises can get after production interruption,then will affect the enterprise income. Therefore,this paper consider that enterprises are facing the constraints of shortage cost and recovery cost of production caused by production interruption and purchase insurance cost under the circumstances that market demand and price are exogenously given. The optimal decision model of buying insurance is established by using the financial risk control tool-CvaR.The optimal insurance compensation period was given respectively about enterprise risk neutral and risk aversion and risk loving on the basis of the optimal solution of the model. The research shows that compensation period is changeable as the change of enterprises attitude to risks; especially enterprises may not purchase the insurance when the enterprise is risk loving. Finally,a numerical example is used to verify the model and explain the results.