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长期以来,在计划经济体制下,建设项目主要依靠国家拨款,建设单位没有后顾之忧,缺乏风险意识。随着我国改革开放的深入,工程投资由无偿拨款改为有偿贷款,投资渠道多元化,工程实行“四项制度”管理等一系列重大变化,尤其是国外资金介入中国公路建设市场后,外资金融机构为保证其投资安全,以其贷款项目必须参加保险作为工程取得贷款的重要条件,使得工程保险成为建设项目不可缺少的重要内容。高速公路建设规模宏大,技术复杂,造价高昂,建设工期长,施工线路
For a long time, under the planned economy system, construction projects mainly rely on state funding. Construction units have no worries and lack awareness of risks. With the deepening of China’s reform and opening up, a series of major changes have taken place in the project investment, from grants without payment to compensated loans, with diversified investment channels and “four systems” management. In particular, after foreign funds are involved in China’s road construction market, In order to ensure the safety of their investment, foreign-funded financial institutions must take insurance as their loan project to obtain loans as an important condition for their projects, making construction insurance an indispensable and important part of construction projects. Large-scale construction of expressways, complex technology, high cost, long construction period, the construction line