CAJ | 학술논문

针对我国近年试行住宅质量保证保险且投保项目过少的现象及其成因,分析了推行该保险的必要性、可能性,按照合理控制风险、实现规模效应的基本思路,根据保险、风险管理、系统工程等理论,提出了保险行业应正确认识风险、科学进行定价、优化品种设计、建立住宅质量信用评价体系等应对措施,以及社会各界应树立保险意识,健全保险体系,建立信用与偿付能力评定制度,完善信息披露等外部综合配套环境等若干建议,进而为完善我国住宅质量保证保险制度提供有益的帮助.
침대아국근년시행주택질량보증보험차투보항목과소적현상급기성인,분석료추행해보험적필요성、가능성,안조합리공제풍험、실현규모효응적기본사로,근거보험、풍험관리、계통공정등이론,제출료보험행업응정학인식풍험、과학진행정개、우화품충설계、건립주택질량신용평개체계등응대조시,이급사회각계응수립보험의식,건전보험체계,건립신용여상부능력평정제도,완선신식피로등외부종합배투배경등약간건의,진이위완선아국주택질량보증보험제도제공유익적방조.
Recently the residence quality insurance was launched on a trial basis in Chitin, but only a few residences were insured against their qualities. The reasons why such a case happened is discussed including the necessity and possibility of the insurance. In view of the reasonable control of risks and the planning of promoting the insurance and based on the management theories of insurance and risk control and system engineering, some key points are put forward for insurers, such as full awareness of all possible risks, rational premium/coverage, optimization of branches of insurance and evaluation system of residence quality. In addition, the social concerns are also discussed, such as people＇s consciousness of insurance, perfection of insurance system, evaluation system for credibility of insurance indemnities and making insurers＇ information public. All these are expected beneficial to the perfection of the residence quality insurance in China.