工程质量安全保险及费率厘定方法的研究  

Research on Construction Quality & Safety Insurance and the Definition Method of Premium Rating

作　　者：张英隆[1] 胡昊[1] 黄理[1] 

机构地区：[1]上海交通大学船舶海洋与建筑工程学院,上海200030

出　　处：《建筑经济》2008年第3期74-77,共4页Construction Economy

摘　　要：在综述工程保险国内外发展概况的基础上,提出在工程建设项目中应继续强制实行建工人身意外伤害险,并借鉴国外经验强制推行建筑工程一切险或安装工程一切险及工程质量责任险。就这四项应强制投保的工程质量安全保险险种,建立了以"适用费率=基本费率×调整系数"为计算公式的分类费率厘定方法,并构建了四项险种基本费率和调整系数的影响因素表,为工程质量安全保险费率的确定提供了框架性思路。On the basis of experiences of construction insurance development at home and abroad, this paper suggests to compulsorily implement Construction All Risks, Erection All Risks, Inherent Defect Insurance as well as Accidental Injury Insurance, which has been carried out but still needs further improvements. For these four kinds of insurances, the paper establishes a rating method with the consideration of an adjustment to the basic premium rate and proposes the impact factors of the basic rates and adjusting coefficients. This preliminary study provides a framework for the calculation of premium rate of construction quality and safety insurance.

关 键 词：工程保险 工程质量安全保险 保险费率 费率厘定 

分 类 号：F407.9[经济管理—产业经济]