| Every party who participates in the construction project may face a wide variety of risks, such as physical risks, social risks, political risks, economic risks etc. These risks may have negative effects on the project constructed. And modern construction projects usually have large-scale investment, high sophistication, long construction period , complicated risk factors. Therefore, how to make valid risk management in the construction project is increasingly valued by people. Insurance is a key way of risk management, and its function lies in transfering risk , such as natural risk and accident, and compensate the loss which is caused by the insured's risks. It is beneficial to guarantee the involved parties, to put the construction project smoothly into practice , and to promote construction market smooth development . Although there is a period of time to apply construction insurance system into the construction projects in China , the construction insurance system is not perfect. Under the current background of Chinese developing socialist market economy, making large-scale construction, joining in the WTO , it is necessary and urgent to perfect the construction insurance system in China.The dissertation is based on extensive investigation and analysis on the formation and current condition and slow developing reasons of Chinese construction insurance system, according to China's positive situation, using advanced experience of the developed countries for reference, making a proposal of perfecting the construction insurance system in China. The dissertation consists of an introduction and three chapters.The main ideas of each part are as follows:The introduction discusses the significance of researching the construction insurance system in China. It also simply accounts for the research, the research methods, the logic etc. Chapter 1 analyses the necessity to perfect the construction insurance system in China. Firstly, The dissertation makes an extensive investigation and analysis on the formation and current condition of the construction insurance system in China. The process can be divided into three stages after 1980's .It introduces the provisions of China's laws and related policy on construction insurance ,which are not sound. Meanwhile, it analyses the current construction insurance market of China .In a word, the construction insurance system of China needs to be perfected . Secondly, it mainly analyses the factors which have negative effects on the development of the construction insurance system of China. The factors mainly include four aspects:(1) The laws and policy in connection with construction insurance system are not perfect, (2) The parties who participate in the construction project are lack of risk and insurance consciousness, (3) The operation level of Insurance companie is not high ,(4) Insurance intermediary which includes insurance agent, insurance broker and insurance adjuster is in underdevelopment .There is lack of special construction insurance intermediary. Thirdly, it is necessary to perfect China's construction insurance system. This is the demand to adapt to the development of the socialist market economy , large-scale construction, the perfection of construction risk management system, the entry into the WTO, the promotion of insurance market and insurance industry.Chapter 2 analyses the characteristics and the advanced experience of the international construction insurance system which is very useful for China. Firstly, the dissertation introduces insurance clause of FIDIC's Conditions of Contract which are in widespread use in the world, such as general requirements for insurance,insurance for works ang contractor's equipment, insurance against injury to persons and damage to property, insurance for contractor's personnel. Secondly, it analyses the basic characteristics of the construction insurance system in developed countries, such as France and the UK. Thirdly, it introduces the International Association of Engineering Insurers. This ass... |
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