我国工程质量潜在缺陷保险发展的问题及建议——以上海市为例  

Problems and Suggestions of Development of Inherent Defects Insurance in China:Take Shanghai as an Example

作　　者：姚冬冬 陈淑婧 王江波 YAO Dongdong;CHEN Shujing;WANG Jiangbo(National Academy for Mayors of China,Beijing 100029,China)

机构地区：[1]全国市长研修学院,北京100029

出　　处：《建筑经济》2025年第1期11-16,共6页Construction Economy

基　　金：住房和城乡建设部2021年科学技术项目计划“建筑工程质量潜在缺陷保险(IDI)协调机制研究”(2021-R-095)。

摘　　要：质量潜在缺陷保险的推行是建筑行业通过引入市场化手段完善工程质量监管体系的重要体现,上海市是我国工程质量潜在缺陷保险推进取得良好效果的地区之一。以上海市为例,分析工程质量潜在缺陷保险推行情况,在梳理总结出上海的推行经验和问题基础上,提出了下一步明确TIS机构定位、设置免赔额、扩大试点范围、健全追偿机制、制定差异化浮动费率五点促进我国IDI高质量发展的意见建议,期望为IDI在其他地区的发展、推行提供参考。The implementation of inherent defect insurance is an important embodiment that construction industry bring in the market means to improve the engineering quality supervision system.Shanghai is one of the regions in China where the promotion of inherent defect insurance has achieved good results.This paper takes Shanghai as an example to analyze the implementation of inherent defect insurance.On the basis of summarizing the implementation experience and problem in Shanghai,this paper puts forward five suggestions,named clarifying the TIS institution positioning,setting deductibles,expanding the pilot scope,improving the recovery mechanism,and formulating differentiated floating rate to promote the high-quality development of IDI in China,hoping that the implementation experience and development direction of Shanghai can promote the development of IDI in other areas.

关 键 词：工程质量潜在缺陷保险 TIS机构 浮动费率 

分 类 号：F426[经济管理—产业经济] TU712.3[建筑科学—建筑技术科学]