Discussion Of Construction Project Quality Insurance Operational Mechanism

China is in the peak period of infrastructure construction,the engineering quality have a direct impact on the investment returns.Therefore,there is an urgent need using construction insurance to transfer the risk,providing financial security for the construction.The existing quality management system should be further improved in the aspect of quality risk management.In this paper,the author studies the construction quality insurance,presents that avoiding and reducing the construction quality risk can be achieved with the implementation of construction quality insurance in China.Firstly,this paper studies and compares the regulations,the highlights and the implementations of the insurance in France and Spain.With references to the successful experience in implementing the construction quality in such countries,puts forward the model of implementing construction quality insurance in China, according to the present condition of construction quality management in our country. Secondly,this paper investigates the key points of construction quality insurance, such as the main content of the terms of the contract and several key issues of the insurance in the implementation,providing insurance companies with experiences of the foreign countries as a reference in working out the appropriate insurance contracts.Introduce the work,work methods of the quality inspection and insurance information agencies,as well as the feasibility of the establishment of agencies in details.Moreover,this paper carries out an exhaustive study on the premium rate of construction quality insurance.It proposes the principles and methods for rate making that the pure premium rate can be defined by way of mathematical statistics on the basis of Large Numbers Law,and the final premium rate can be defined by summing up pure premium rate and additional premium rate,which is dependent on the yield results of the insurance company,making risk analysis of the insured engineering project and adjusting the premium rate.The methods adopted in this paper have taken into consideration that both the average premium rate of the same kind of objects and the real risk involved in the project.Consequently,it not only conforms to objective code of engineering insurance but also is applicable in reality.Finally,the paper proposes the development strategies on the construction quality insurance in China.This paper uses a combination of theoretical and comparative research models, qualitative analysis and quantitative analysis research methods at the same time,to discuss the construction quality insurance in China.And it can provide references for the implementation of construction quality insurance in our country.