建筑工程质量潜在缺陷保险的费率厘定研究  

Research on the Rate Determination of Inherent Defect Insurance for Construction Engineering Quality

作　　者：李晓冬 唐云辉[1,2] 隋伟旭 曹吉昌 吕传凯 LI Xiaodong;TANG Yunhui;SUI Weixu;CAO Jichang;LV Chuankai(School ofManagement Engineering,Qingdao University of Technology,Qingdao 266520,China;Research Institute ofConstruction Credit and Risk Management,Qingdao University of Technology,Qingdao 266520,China;China Construction Industry Association,Beijing 100081,China;Technology and Industrialization Development Center of the Ministry of Housing and Urban-Rural Development,Bejing 100835,China;PICC Property and Casualty Company Limited Qingdao Branch,Qingdao 266071,China)

机构地区：[1]青岛理工大学管理工程学院,山东青岛266520 [2]青岛理工大学城乡建设信用与风险管理研究中心,山东青岛266520 [3]中国建筑业协会,北京100081 [4]住房和城乡建设部科技与产业化发展中心,北京100835 [5]中国人民财产保险股份有限公司青岛市分公司,山东青岛266071

出　　处：《工程管理学报》2023年第3期7-12,共6页Journal of Engineering Management

基　　金：住房和城乡建设部科技计划软科学项目(2022-R-048).

摘　　要：为构建我国建筑工程质量潜在缺陷保险费率厘定体系,费率建立在使用基本费率乘以调整系数的方法来厘定,调整系数的确定关乎到费率厘定的合理性,工程项目的信用信息对确定调整系数具有至关重要意义。应用结构炳权法的多指标模糊综合评价法对投保项目的信用风险和施工质量风险进行评级,以经验费率法为基础采取分类法建立不同的调整系数进行费率厘定,通过建立公平合理的浮动费率调整机制,以费率调整去激励投保企业努力提高建筑质量,实现建筑工程质量潜在缺陷保险良性发展。In order to construct the premium rate determination system of potential defect insurance for construction engineering quality in China,the premium rate is determined by multiplying the basic rate by the adjustment coefficient.The determination of the adjustment coefficient is related to the rationality of the premium rate determination.The credit information of the project is of great significance to determine the adjustment coefficient.The multi-index fuzzy comprehensive evaluation method based on the structural entropy weight method is used to evaluate the credit risk and construction quality risk of the insured project,based on the experience rate method,the classification method is adopted to establish different adjustment coefficients for rate determination.Through the establishment of a fair and reasonable floating rate adjustment mechanism,the rate adjustment is used to encourage the insured enterprises to strive to improve the construction quality,and realize the development of a virtuous circle of potential defect insurance ofconstruction engineeringquality.

关 键 词：工程质量潜在缺陷保险 结构熵权法 模糊综合评价法 信用信息 浮动费率 

分 类 号：TU712.3[建筑科学—建筑技术科学]