工程建设质量保险费率厘定方法研究  

Research on the Method of Determining Project Construction Quality Insurance Premium Rate

作　　者：赵秀影[1,2] 梁心[1] 孙宪阁[3] 蒋济同[3] 

机构地区：[1]空军航空大学,吉林长春130022 [2]中国科学院长春光学精密机械与物理研究所,吉林长春130033 [3]中国海洋大学,山东青岛266100

出　　处：《建筑经济》2008年第11期52-55,共4页Construction Economy

基　　金：国家自然科学基金资助项目(50679076)

摘　　要：提出一种基于分类与增减相结合的费率厘定方法,首先确定工程的风险损失期望值,建立了以"商业费率=纯保费率×调整系数"为计算公式的分类费率厘定方法,由此得到相应的纯保费率和商业保费率,再经过多方协商加减利率,进而确定最终利率,并构建了该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具体的思路。Proposed a method based on a combination of classification and increase-decrease, first identified expectations in the risk of loss, established the formula ＂commercial rates= pure premium rate× adjustment factor＂ to calculate the rate,in which can get the pure premium rates and commercial premium rates. After further consuhations the plus-minus interest rates, thereby determined the final interest rates. For the kind of insurance, the paper establishes a rating method with the consideration of an adjustment to the basic premium rate and proposes the im- pact factors of the basic rates and adjusting coefficients. This preliminary study provides a detailwork for the calculation of premium rate of construction quality insurance.

关 键 词：工程质量保险 保险费率 费率厘定 

分 类 号：F407.9[经济管理—产业经济]