建设工程保险合同及其相关问题的研究-管理科学与工程专业论文.docxVIP

摘要摘要 摘要 摘要 随着我国经济建设的快速发展以及加入wT0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：[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，投保人对于保险台同缺乏 ，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T程保险发展中存在的问题出发，对：[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Ⅲ发构建了：[程保险合同的分析结构， 在此基础上对__L=群保险的合同条款进行了详细分析，并结台我国的现状，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凶素，并对我国工程保险 赞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昂1承包商加深对T程保险的理 解，促进我国：[程保险业的快速发展。 关键词：风险管理工程保险合同费率 ABSTRACTABSTRACT ABSTRACT ABSTRACT With rast development of Chinese economy and Lhe full opening or construction market，how Lo s￡rengnlen rjsk management，aler【一sk and transfer risk effectiveIy by the market means has become important task in Chjnese construction indusⅡ，． As erfectiVe means of nsk management，consLruction insurance has been fully accept酣by members in consnllc“on indus仃y a||over the world．China introduccd construction insurance from thc beginning of l 980。s and mere has been history of more than twenty years．However，its development s{tuat{on is noL sa【isfying and the majority of owners and conlractors unwilIing to purchase construc“on insurance．There Various rcsulted in this situa【ion，such thc purchasing consciousness，system buildi”g and etc．That the policyhoIders 1ack undersLanding to contract items and premium rating is also important factor． Therefore，from the Droblems jn Chjnese construction insurance，the article makes rull research contract ilcms and premium Eing of the construct insumnce Du订ng the research process，the articIe sets the analysis frame of construct{on jnsurance contract based p01icy compcnsation and has fully analys{s to conlract items of construction jnsurance．According to constnlction insurance’s s{tua【jon in China present，somc suggcstjons of Lhe application of the constructjon insurance contract put forward In the aspects of premlum rating，the composing and innuencing fac￡ors of the premium anaIyzed，and the prem{um—rating model of con