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近年来,我国建筑市场的工程质量堪忧,“豆腐渣”工程时有出现,安全事故较为严重。而工程保险正是转移和降低工程风险的一个重要工具。目前我国的工程保险制度尚不完善,反映在体制机制上、在投保人、保险人及中介机构方面均存在着一些问题。为降低工程事故的发生频率,减小工程损失,在我国建立和完善工程保险制度是非常有必要的,同时也是可行的。
In recent years, the construction quality of our country’s construction market is worrying. There has always been a case of “bean curd residue” project, and the safety accidents are more serious. Engineering insurance is an important tool to transfer and reduce project risks. At present, the engineering insurance system in our country is still not perfect, which is reflected in the institutional mechanisms. There are some problems with policyholders, insurers and intermediaries. In order to reduce the frequency of engineering accidents and reduce the project losses, it is necessary and feasible to establish and perfect the engineering insurance system in our country.