浅析中国建安工程保险市场的普及与发展

Brief Analysis of Popularization and Development of China's Jian'an Project Insurance Market

建筑业是危险性较高、事故多发的行业,随时都有可能有意外事故发生,而且一旦发生将给建筑施工企业和个人带来不幸和经济损失,影响企业的效益,甚至危及企业的生存和发展。随着建设工程项目规模日益扩大,随之产生的技术难度和风险程度也不断增大,转移风险的有效手段是实施工程保险。本文就工程保险在我国发展历程做了概述;对阻碍当前工程保险发展的因素进行了剖析;建议用系统的方法和创新的观念改进和完善现有模式,推广普及我国建设工程项目工程保险,促使工程保险良性发展、协调发展、可持续发展。

As an industry with higher risk and accident-prone,construction industry may have accidents at any time.Once the accidents occur,it will bring economic loss to construction enterprise and unfortunate to personally,influence the performance of enterprises,and even endanger the survival and development of enterprise.Engineering insurance is an effective means to transfer risk with the increasing scale of construction project,the increases ceaselessly of technical difficulty and degree of risk which increase.This article made the outline of project insurance＇s development process in our country,analyzed the factors that block the development of project insurance,suggested improving and perfecting the existing mode by using systematic methodology and innovative ideas,promoted the project insurance in our country,in order to ensure the positive,coordinating and sustainable development of project insurance.