工程保险在铁路建设项目中的应用研究

铁路建设过程中面临着一系列不可控风险,推行现代风险管理制度、建立良性运转的工程保险制度是转移和防范风险的重要举措。结合我国铁路工程建设的特点和实际,对铁路工程保险的内涵和作用进行了描述,在深入分析铁路工程保险运作的基础上,着重对工程保险风险评估的影响因素和具体实施展开了系统的研究,并针对工程保险费率的厘定问题,提出了基于效用函数的保费确定分析方法。

Study on the Application of Engineering Insurance in the Railway Projects

The railway project faces a series of uncontrollable risk. The introduction of modern risk management systems and the establishment of the healthy insurance system are important measures for risk transferring and preventing. Combined with the characteristics and the condition of railway projects,the meaning and role of the railway engineering insurance are described. On the basis of in-depth analysis of railway engineering insurance operation,the factors and the specific implementation of the engineering insurance risk assessment are studied systematically. To address the issue of engineering premium rates determining,the premium determination method based on the utility function analysis is proposed.