【作者】 高星；

【导师】 成虎；

【作者基本信息】 东南大学 ， 管理科学与工程， 2005， 硕士

【摘要】 随着我国经济建设的快速发展以及加入WTO建筑市场的全面放开,如何通过市场手段来加强风险管理,有效地防范和转移风险已经成为摆在中国建筑业面前的一个重要课题。工程保险作为一种有效的风险管理手段,早已为各国工程界所普遍接受。我国从八十年代初引入工程保险,至今已有二十多年的历史,但其发展状况不容乐观,大多数业主和承包商投保工程险的积极性都不高。究其原因,除了保险意识、制度建设等多方面原因外,投保人对于保险合同缺乏了解以及合同费率不够透明也是重要的影响因素。因此,本文从我国工程保险发展中存在的问题出发,对工程保险的合同条款和费率厘定进行了较为全面的研究。在研究过程中,本文从界定保险赔偿的角度出发构建了工程保险合同的分析结构,在此基础上对工程保险的合同条款进行了详细分析,并结合我国的现状,对工程保险合同的应用提出了一些建议;在费率厘定方面,本文主要分析了工程保费的构成和影响因素,并对我国工程保险费率厘定模型的改进作出了探讨。希望本文的研究有助于我国的业主和承包商加深对工程保险的理解,促进我国工程保险业的快速发展。更多还原

【Abstract】 With fast development of Chinese economy and the full opening of construction market, how to strengthen risk management, alert risk and transfer risk effectively by the market means has become an important task in Chinese construction industry.As an effective means of risk management, construction insurance has been fully accepted by members in construction industry all over the world. China introduced construction insurance from the beginning of 1980’s and there has been a history of more than twenty years. However, its development situation is not satisfying and the majority of owners and contractors are unwilling to purchase construction insurance. There are various reasons resulted in this situation, such as the purchasing consciousness, system building and etc. That the policyholders lack understanding to contract items and premium rating is also an important factor.Therefore, from the problems in Chinese construction insurance, the article makes a full research on contract items and premium rating of the construct insurance. During the research process, the article sets out the analysis frame of construction insurance contract based on policy compensation and has a fully analysis to contract items of construction insurance. According to construction insurance’s situation in China at present, some suggestions of the application of the construction insurance contract are put forward. In the aspects of premium rating, the composing and influencing factors of the premium are analyzed, and the premium-rating model of construction insurance is also studied. The aim of the article is to hope to make the owners and contractors understand construction insurance more and make the contribution for quickening the development of Chinese construction insurance.更多还原