Research On The Liability Insurance Mechanism Of Construction Safety Production

With the development of China’s construction industry,the problem of construction safe production has became one of the main issue,which is an important factor that restricting the high-quality development of China’s construction industry.It is required that using insurance to strengthen the capabilities of risk prevention and accident compensation,to play the role of safety management in building construction industry.Because of the frequent occurrence of safe production accidents,China has implemented Safety production liability insurance(SPLI)which effectively improved the situation of safety production in high-risk industries in China.However,SPLI in the construction industry is just beginning,including the problem of lacking of market competition,poor accident prevention,and low level of third-party involvement and others.Therefore,focusing on these problem above,this paper proposes specific solutions to the construction SPLI.Based the new public management theory and insurance theory,this paper establishes the operation mechanism and system of construction SPLI,and also discusses the rationality of whether adopting the construction SPLI in line with the current trend of the construction industry reform;Safety production related insurances of domestic and abroad are studied systematically,and a field research in Hunan,Shandong is conducted,this paper sorts out the actual situation of the construction SPLI,and analsis the existing problems of construction SPLI at current stage.Aiming the current problem,the definition of the construction SPLI is determined,and this paper establishes an operation system of the construction SPLI.Plus,this paper puts forward an operation mechanism of the construction SPLI which includes: "accident prevention","accident rescue" and "market operation" and others.To strength practical value of the market operation mechanism of the construction SPLI of insurance companies,an insurance rates evaluation model based on construction safety credit is constructed in detail.Based on the theory of accident causation,considered the factors of “human behavior” “physical insecurity” and “environment”,a construction safety credit evaluation is established,To ensure the rationality of the index weights,a subjective and objective comprehensive weighting methods have used.On the premise of ensuring accuracy,using the comprehensive fuzzy evaluation method,a insurance model based on construction credit was established.This paper takes the construction SPLI as the research object,constructs the operation system and operating mechanism of it,and establishes an insurance rates evaluation model based on construction safety credit.The development of the construction l SPLI does provide a certain application value.