基于保险费率厘定的地铁工程项目保险研究

Research on the Subway Project Insurance Based on Insurance Premium Rate

研究目的:目前有关地铁等轨道交通工程的保险费率厘定方法中,科学合理的测算方法较少。为促进我国工程保险的健康发展,本文基于工程风险识别的结果,构建地铁轨道交通工程保险费率的厘定模型。该厘定模型根据保险费率原理将模糊层次分析法和专家打分法应用于地铁轨道交通的工程风险评估,从而为地铁轨道交通工程保险费率的估计方法提供全新的定价基础。研究结论:(1)以杭州地铁2号线建设三路站为例,在工程量清单模式下识别工程项目风险,构造系统的WBS-RBS风险矩阵,利用AHP层次分析法和改进后的熵权法来确定风险调整系数,计算得到该工程的保险费率约为6.76‰;(2)本文提出的方法既可以运用在城市轨道交通项目上,也可以运用在其他建筑工程项目中,能较客观地反映工程风险的保险费率。

Research purposes： At present, the scientific and reasonable method for setting the insurance premium rate about transit engineering such as the metro rail project is less. In order to promote the healthy development of China＇s engineering insurance, this paper constructs a model for determining the premium rate of subway transit project based on the results of project risk identification. In this model, under the theory of premium rate, the fuzzy analytic hierarchy process （AHP） and expert scoring method are applied to the risk assessment of metro rail transit, which provides a new pricing basis for the estimation of the premium rate. Research conclusions： （ 1 ） Making Jianshesanlu Station of Hangzhou Metro Line 2 as an example, based on the BOQ mode, this paper identifies the risk of the project, constructs WBS -RBS risk matrix of the system, determines the risk adjusted coefficient by the AHP analytic method and improved entropy weight method and calculates the engineering insurance rate which should be 6.76 per thousand. （2） The proposed method can be used in urban rail transit and other construction projects, which can objectively reflect the insurance rate of engineering risk.