Study On Operation Mode And Rate Determination Of Quality Liability Insurance For Residential Full Decoration

Since 2016,China vigorously promote the construction of full decoration,the implementation of assembly-style architectural decoration,commercial housing market,the proportion of fully renovated housing is getting higher and higher,more and more attention from all walks of life.Internationally,residential project quality insurance is mainly proposed for non-fully renovated residential projects,as an important economic means to ensure the interests of residential owners,it has proved in some countries for several years of development practice: the insurance system in reducing residential quality defects,protect the legitimate rights and interests of owners play an effective role.The quality insurance of residential project is combined with the whole decoration house which is vigorously promoted at this stage in our country,and a new type of insurance is derived: the quality liability insurance of residential whole decoration.The insurance is specifically aimed at the quality of the full renovation project in the fully renovated residence,aiming to reduce the quality risk of the whole decoration project,safeguard the legitimate rights and interests of the owner of the house,and reduce the resulting government complaints and legal disputes.The insurance is applicable to the actual demand of the domestic housing market at this stage,and is of great significance to the construction unit,the residential owner and the government and society.In this paper,through data collection and analysis of the current situation of quality defects in the total decoration project of commercial housing in China in recent years,through literature analysis and expert interviews to extract the quality influence factors of the whole decoration project,the establishment of causality model to get the main influencing factors,according to which the quality control strategy based on insurance is put forward;By analyzing the main body of insurance-related liability and its basic demands,the insurance operation mode is constructed at different stages of insurance operation,which provides the theoretical framework of reasonable application at this stage,and ensures that the whole process of the whole decoration project is targeted;With the aim of long-term effective operation of insurance,this paper puts forward the basic theory of insurance information platform to realize information sharing and precipitation and establishes a model for determining the insurance rate of residential whole decoration project based on the results of expert investigation,so as to provide scientific support method for determining the differentiation of insurance rate in different projects.Finally,combined with the actual case,verify the rationality and practicability of the whole operation mode of the insurance,quantify the quality management role of the whole decoration project of the residence,and determine the case project premium.Through the full decoration configuration standard,project quality,post-project evaluation and other multi-angle comparative analysis to verify the practical application significance,but also for the follow-up full decoration quality insurance to provide a reference basis for the implementation.