【摘要】 "5.12"汶川地震后,房屋地震保险再度成为人们热议的话题。针对目前我国保险市场的发展现状以及工程质量保证保险不承保由于地震带来的房屋损失问题,提出政府主导的市场化救灾模式,并从建筑质量风险基金的法律基础、风险评估、精算与控制体系、财务及风险分散机制以及震后理赔管理系统4个方面建立政府主导的多元建筑质量风险分担机制的运作框架。更多还原

【Abstract】 After the Wenchuan Earthquake on May 12, 2008, the building earthquake insurance have became the hot topic again.According to the current situation of insurance industry and the problem that the CQI does not cover the loss of housing as a result of the earthquake in China, the paper puts forward the model of the government-oriented earthquake relief market formation, and proposes setting up the operation frame based on the government-oriented multiple risk-sharing system of construction quality from four parts as follows:the legal foundation, the risk assessment, actuarial and control system, financial risk dispersion mechanism and claim management system of the fund of construction quality risk.更多还原