建筑业人身意外伤害保险探讨.pdfVIP

1 4 1 Vol . 14 No . 1 2 0 0 4 1 China Safety Science Journal Jan . 2 0 0 4 田杰芳 副教授 魏庆朝 ( 北京交通大学土木建筑工程学院) :6201 2050 620.2060 = 建筑业是伤害事故多发的行业, 实行建筑业人身意外伤害保险, 在5 华人民共和国建筑法6 和 5 华人民共和国安全生产法6 里有明确规定, 也是 一项国际惯例建筑业实施人身意外伤害保险, 对促进建筑市 场和保险市场的发育减轻企业风险和维护社会稳定意义重大, 同时有利于建筑业的安全管理以及与国际惯例接 轨目前, 我国由于企业风险意识薄弱法规不完善保险公司不能提供优良的服务以及缺乏保险 介等原因, 使 得意外伤害保险的推行情况不甚理想为大力推动我国建筑业人身意外伤害保险的发展, 需要加强风险和保险的 宣传完善配套法规采取强制与服务并重的措施并扶植我国工程保险 介组织的发展 = 建筑业; 风险; 工程保险; 人身意外伤害保险; 对策 Probe into Casualty and Accident Insurance in Construction Industry TIAN Jie-fang, Assoc. Prof. WEI Qing-chao ( School of Civil Architecture Engineering, eijing Jiaotong University) Abstract: Construction industry is a casualty and accident frequently occurring trade. Casualty and accident insurance is therefore necessary, and has become an international practice. As explicitly stated in / T he Construction Law of the P. R. China0 , and/ The Production Safety Law of the P. R. China0 , the implementation of casualty and accident insurance in construction industry could positively promote the healthy development of the construction markets and insurance com- panies in reducing entrepreneurial risks and maintaining social stability, w hich could also facilitate the safety management in construction industry and cope with international practice. ecause of the inadequate aw areness of entrepreneurial risks in part of enterprises in China, the absence of relevant laws, lack of insurance agentsand quality services, the casualty and accident insurance has not been implemented, as it should be. In order to promote the development of casualty and acci- dent insurance in cons