在我国保险业的发展过程中，工程保险正扮演着越来越重要的角色。尽管工程保险业务从总量上看，仍属于小险种，但由于其单均保费数额巨大，且具有“市场标志”效应，往往成为各家公司竞争的焦点。近年来，我国工程保险市场领域的竞争大有愈演愈烈的趋势，在一些大型基础设施，如地铁、机场、电站、高速公路项目的工程保险竞争过程中，各家公司在费率及其他承保条件上的竞争已经达到了“白热化”状态，一些项目的费率水平已经大大低于国际再保险市场，使得一些公司不得不采取“贴费”的方式进行分保。同时，恶性竞争的后果已经开始逐步显现，工程保险经营的整体效益正呈现下滑的趋势，局部地区和一些公司的工程保险业务甚至出现了严重的亏损，且经营的潜在风险仍在不断积 Engineering insurance is playing an increasingly important role in the development of China’s insurance industry. Although the engineering insurance business is still a small one in terms of the total amount, it often becomes the focus of competition among various companies due to its huge average premium amount and the “market mark” effect. In recent years, the competition in the engineering insurance market in our country has greatly intensified. In the competition of engineering insurance for some large-scale infrastructure projects, such as subways, airports, power stations and expressways, various companies have different regulations on rates and other underwriting conditions Competition has reached a “white-hot” state. The rates of some projects have been significantly lower than those in the international reinsurance market, causing some companies to reinsure in a “subsidized” way. At the same time, the consequences of vicious competition have begun to gradually emerge. The overall efficiency of engineering insurance business is showing a downward trend. In some areas and some companies, there is even a serious loss in the engineering insurance business and the potential risks of operation are still increasing