大型工程的保险费率厘定方法研究

针对目前保险界存在的大型工程保险理算难的问题,提出将理算阶段的风险前推.在投保阶段合理地确定保费的观点,以避免理算阶段出现问题.并基于这一思想提出了一种新的工程保险费率厘定方法.该方法在工程基本费率的基础上,针对大型工程的特殊性,结合工程造价确定费率的调整系数,从而计算出合理的工程保险费.最后结合实例验证了该方法的可行性.

Research on the Method of Calculating the Insurance Rate of the Large-Scale Project

Aiming at the difficult problems of calculating the insurance rate of the large-scale project which exist in the insurance field, this paper proposes a viewpoint that puts the risk of adjustment stage ahead and determines the premium reasonably at the insurance stage to avoid the problems which happen at the adjustment stage; and also this paper proposes a new method to calculate the engineering insurance premium rate. Combined with the construction cost, the method determines the rate adjustment coefficient based on engineering's basic rates and according to the particularity of the project, and then calculates the reasonable premium. At last, this paper verifies the feasibility of this method with an example.