轻钢结构厂房在遇到极端天气情况如台风、雪灾时,遭受的破坏往往比较严重。为此,很多企业会购买FM保险,以降低企业的风险和财产的损失。本文首先介绍了FM技术标准产生的背景和概念;然后详细阐述了FM标准中风荷载和雪荷载的取值与中国规范的异同处;最后通过一个工程实例说明FM荷载计算的应用和注意事项。 Light steel plant in the face of extreme weather conditions such as typhoons, snowstorms, the damage suffered are often more serious. To this end, many companies will buy FM insurance to reduce the risk of business and property losses. This paper first introduces the background and concept of the FM technology standard. Secondly, it elaborates on the similarities and differences between the values ​​of the FM standard stroke load and the snow load and the Chinese codes. Finally, an engineering example is given to illustrate the application and precautions of the FM load calculation.