Research On The Model Of Engineering Insurance Technology Service Based On The Mechanism Of Entrustment Engineering Supervision

With the rapid development of China's social economy,China's construction industry and real estate industry have made great progress.However,with the scale of investment in the project,construction difficulty,structure or process more complicated,the accidents of quality and safety are more frequent,causing serious casualties and economic losses.As one kind of the property insurance,engineering insurance has become one of the important safeguard measures of engineering construction activities through the effective transfer of various kinds of risks in the construction process,which effectively enhances the ability of the construction subject to resist the project risk.But limited to its speciality and particularity,insurance companies can not provide high quality insurance technology services,and it is difficult to play the role of engineering risk management.Therefore,the current engineering insurance business has vicious price competition,which leads to the greater arbitrariness of the insurance rate and the lack of pertinence of the insurance clauses,which seriously restricts the development of engineering insurance in China.at this stage.In order to improve the insurance company's engineering insurance technology service ability and activate the system vitality of China's engineering insurance,it is necessary to study the provision mechanism of engineering insurance technology service.Specifically,the research should include the content definition of engineering insurance technology service,the insurance company's project management participation mechanism,the provision organization of the engineering insurance technology service,the operation support system of the engineering insurance technology service mode and so on.Therefore,this paper has carried out the research and Analysis on the above content,and put forward the corresponding service provision mechanism and operation service support system of engineering insurance technology,which is of certain significance to improve the technical service level of China's engineering insurance and promote the development of China's engineering insurance system.Firstly,through the analysis of the relevant literature.In view of the concept,characteristics and content of engineering insurance in China,the contents and characteristics of the life cycle engineering insurance technology are introduced,and the basic concepts of principal agent theory are introduced,and the possibility of its application in the field of engineering insurance technology service is analyzed,which lays a theoretical foundation for the Research of the paper.Then,through literature research and questionnaire investigation and other research methods,the present situation of China's engineering insurance system and the development status of engineering insurance technology service are combed.By comparing with the countries with mature engineering insurance,it is clear that the technical service development of China's engineering insurance has a small scale of technical service market,inadequate number of service institutions and weak professional technical ability.In view of the above problems,the causes of the problems are analyzed from the perspective of insurance awareness,policy environment,market and personnel training.Secondly,in view of the backward development of China's engineering insurance and engineering insurance technology services,it is clear that through the introduction of third party specialized service institutions,the professional and technical strength of the insurance companies will be improved quickly to stimulate the vigour of project risk supervision.Through the comparative study,it is believed that the engineering supervision organization is more in line with the needs of the engineering insurance technology service organization in many aspects,such as the professional technical level and the reserve of professional talents.At the same time,the project owner and the insurance company jointly entrust the supervision organization,and carry out the engineering supervision business and the mechanism of the engineering insurance technology service,in order to solve the practical problems such as the difficulty of cost sharing,the supervision of the practice moral hazard and so on.Finally,through the literature analysis,expert interview and questionnaire,this paper identifies the obstacle factors of the engineering supervision institutions participating in the engineering insurance technology service,and then uses the statistical mathematical methods such as factor analysis to help extract the key obstacle factors,which provides a reasonable,scientific and systematic basis for the construction of Engineering supervision machine structure to participate in the engineering insurance technology service system.According to the key obstacle factors,combined with the thinking tool of constraint theory,the operation system of engineering insurance technology service mode based on the entrusted supervision mechanism is finally built.The system explains and defines the operation of the mode from aspects of factors,platforms and processes.