基于物元可拓法的住宅工程质量潜在缺陷保险费率厘定研究  

A G1-CVA-MIE Based Research on the Quality of Insurance Rates of Potential Defects in Housing Construction

作　　者：牟玲玲[1] 吴少楠 刘琳珊 MU Lingling;WU Shaonan;LIU Linshan(School of Economics and Management,Hebei University of Technology,Tianjin 300131,China;Business School,Central South University,Changsha 410006,China)

机构地区：[1]河北工业大学经济管理学院,天津300131 [2]中南大学商学院,湖南长沙410006

出　　处：《工程管理学报》2024年第5期51-57,共7页Journal of Engineering Management

基　　金：河北省住房和城乡建设厅一般课题(222-44)。

摘　　要：以住宅工程为研究对象,分析影响IDI费率的因素,将其分为项目与保险自身特性、参与方综合能力和工程建设各阶段质量潜在缺陷风险三方面,并据此建立了三级57个指标的评价体系,采用G1-CVA-MIE法计算指标权重,运用物元可拓法对指标划分等级。根据评价结果确定基本费率和调整系数,确定二者之积的值即为纯保险费率。通过案例验证了模型的可行性,并对投保人、承保人和政府提出建议,以期为我国IDI费率厘定提供新的思路框架。This paper took residential engineering as the research object,analyzed the factors that affect IDI rate,divided it intothree aspects:the characteristics of the project and insurance,the comprehensive ability of the participants and the potential defectrisk of the quality at each stage of the project construction.A three-level evaluation system with 57 indicators was established.Inaddition,G1-CVA-MIE method was used to calculate index weights,and matte-element extension method is used to classify indexes.Finally,according to the evaluation results,the basic rate and adjustment coefficient were determined,and the value of themultiplication of the two is the pure insurance rate.The feasibility of the model was verified by a practical case study,and severalsuggestions were put forward for policyholders,insurers and the government in order to provide a new framework for the IDI ratedetermination.

关 键 词：工程质量潜在缺陷保险(IDI) 物元可拓法 权重 纯保险费率 

分 类 号：TU712.3[建筑科学—建筑技术科学]