The recent photovoltaic power plant operation accidents have caused huge losses to the operation of the power plant and investment income. As with other industrial projects, we can also introduce insurance as we seek to upgrade the technical requirements for avoiding accidents. Let's talk about the category of PV power station insurance.
one. PV power plant project investment risk identification
1. Photovoltaic power plants and natural disasters
Typhoon strikes every year, causing damage to photovoltaic power stations in Southeast Asia including China's Hainan and Guangxi provinces.
â–¼The Yushu earthquake in 2010 caused some photovoltaic power stations to suffer losses. The central and western regions of China are mostly in the seismic zone.
â–¼2013 Yellow River Flood Crashes 200MW Photovoltaic Power Station in the Upper Yellow River
PV investment will inevitably avoid the destructive power of nature
2. Photovoltaic plant operation risk accidents - environmental risks, safety risks
3. Risk of photovoltaic power plant operation period - installation risk
4. Risk of photovoltaic power plant operation period - technical risk, material risk
two. The commercial certainty of photovoltaic power plant project investment needs to be solved
1. Uncertainty in grid connection and reporting process
2. Uncertainty in roof rental, electricity bill collection and settlement
3. Subsidy and Timeliness Issues
4. Reduction of power generation and other accidental losses during construction and operation
three. Problems faced in the commercial certainty of photovoltaic power plant project investment
The main problem: Solving bank "project loans"
Key: Can banks avoid "project loan" risks?
1. Mortgage: Assets and Generation Revenue of Photovoltaic Power Plants
- Insufficient collateral for photovoltaic power plant assets
- There are several risks associated with mortgages
2. Risk categories for generating income
--Responsibility and loss risk for design, transportation, construction and operation and maintenance
- Quality and efficiency risk of major components such as components and inverters
- Loss of income generated by natural disasters, thoughts, theft, climate, etc.
- The accident caused damage to third parties (including roof-owner property)
- Changes in fiscal subsidy policy and residual electricity cannot be accessed (subjective and objective reasons for the grid)
--Other unforeseen risks
four. Solar photovoltaic power plant commercial certainty
The ability of the power station to generate stable power generation cannot be determined
â–¼ The photovoltaic power station's fixed assets have been damaged and cannot generate electricity normally.
â–¼ The main components such as components, inverters and other functions have been declining
â–¼ Reduction of power generation due to replacement of major components
â–¼ The sunlight amplitude is lower than the previous year's value
V. Operational risk transfer and commercial certainty of power stations
1. "Solar photovoltaic power station integrated operation insurance"
â–¼ The photovoltaic power station's fixed assets have been damaged and cannot generate electricity normally.
â–¼ Reduction of power generation due to replacement of major components
â–¼ The sun's sunshine amplitude is lower than the average of previous years
include
1. All risks of power plant operation period
Subject:
Photovoltaic power generation equipment: including solar modules, junction boxes, and other necessary equipment.
Power transmission and transformation systems: including bus junction boxes, inverters, AC and DC power distribution cabinets, cables, charging controllers, energy storage devices, and other necessary electronic equipment and components.
Buildings and their ancillary facilities: including main buildings, photovoltaic supports, plant roads, monitoring equipment rooms, warehouses and other materials, storage products
Other financial
Insurance duty:
(1) Natural disasters: Tornadoes, Lightning Strikes, Storms, Floods, Blizzards, Icings, Ice and Snow, Hail, Frozen Rain, Debris Flow, Collapse, Bursting Landslides
(B) Non-mechanical or electrical accidents: fires, explosions, falling objects
(c) Mechanical or Electrical Accidents:
Design, manufacture or installation errors, casting and raw material defects;
Workers and technicians who pass the examination are erroneously operated, inexperienced, poorly-skilled, negligent, negligent, and malicious;
Overload, overvoltage, wire contact, arc, leakage, short circuit, atmospheric discharge, inductive power and other electrical reasons;
Centrifugal rupture
(d) the cost of rescue.
In the event of a mechanical or electrical accident within the scope of the manufacturer's product quality assurance terms that occurred in the photovoltaic power plant, the insurer shall make compensation for the unsuccessful claims of the power plant owner to the manufacturer in accordance with the relevant provisions.
2 Business interruption. Loss of electricity income. Insurance liability:
Due to the risks covered by all risks during the operation period of the power station, the material and property used for the operation of the power station suffered losses, resulting in a loss of electricity revenue due to reduced power generation during the compensation period.
The electricity revenue loss is calculated according to the following formula:
Loss of electricity revenue = compensation for damaged output during the period * agreed unit payout
Damaged output during compensation = standard output - compensation for actual output during the period
The standard output power refers to the amount of electricity output during the calendar period corresponding to the compensation in the 12 months prior to the date of loss of the material property of the power station. The standard output power of the newly commissioned power station is based on the output of the rainy season specified in the insurance contract.
3 Solar radiation power index insurance liability:
(1) Losses in electricity revenue due to a decrease in the amount of electricity generated due to insufficient solar radiation, and the insurer shall be liable for compensation in accordance with the terms of the insurance contract. The insurer shall not be liable for damages resulting from the reduction in power generation caused by accidental solar radiation.
(b) The decrease in power generation is measured by the solar radiation power index. The solar radiation power index is calculated based on the solar radiation data provided by the authoritative weather data providing agencies approved by both sides, which are jointly confirmed by both the insurer and the insured in the insurance contract.
2. 25 Years of Product Quality and Power Compensation Liability Insurance for Photovoltaic Modules
â–¼ Component Replacement and Reduced Generation of Electricity Due to Decline in PV Module Energy Efficiency
The origin of insurance products: Overcapacity, anti-europe and anti-society, domestic and foreign component companies bankruptcy. Banks and investors lack confidence. The original seller: POWERGUARD, Munich and other foreign institutions.
Domestic development: Domestic companies such as Anbang, Taishan, Yingdaetai and other companies broke this product.
Product Role: Increase the confidence of banks and investors; ensure the investment risk of power station investors is partially transferred.
(1) For the following reasons, the component product causes the insured to undertake repair, replacement, or return responsibility under the Limited Warranty Book, or it should pay compensation for the difference between the promised power generation power and the actual power generation power. The insurer shall compensate: , manufacturing defects, poor processes and aging of raw materials.
(b) Repair, replacement or return of relevant appraisal, transportation and transportation expenses.
3. "Production quality and power compensation liability insurance for photovoltaic inverters 5-8 years"
â–¼ Replacement and reduced power generation due to decreased or damaged PV inverters.
six. The significance of third-party testing and certification
1. Identify the overall quality and efficiency of components/inverters/power stations
2. Establish a white list for banks/investors and provide technical support
3. Provide technical support and third-party evaluation services for underwriting risks of the insurance industry
Tests to establish commercial certainty:
Photovoltaic products: To verify whether the company has the ability to produce products that meet its quality assurance commitments, and to verify the probability that the company will dispose of defective products according to the current raw material and process production lines, and provide technical support and loss data for underwriting of the insurance industry.
Photovoltaic power plants: Verification of the function and quality of each component of the power station, verification of the technical parameters of the design and completion of the power plant, and provision of technical support and loss data for the underwriting of the insurance industry.
Plywood Blades Ceiling Fan Light
Plywood Blades Ceiling Fan Light,ceiling lamp with fan,chandelier with fan ceiling,ceiling fan with led light
JIANGMEN ESCLIGHTING TECHNOLOGY LIMITED , https://www.windfansummer.com