What are the goals and measures for the reform and development of construction enterprises?

In the tide of building reform in 2020, the insurance force will continue to inject vitality into the development of the construction industry! Bao Gong. com

Fortunately, under the command of national efficient epidemic prevention and control, China construction market has entered the stage of resumption of work and production since the second quarter of 2020. In addition, since the beginning of this year, with the continuous promotion of important strategic policies such as "simplifying administration and decentralizing power, strengthening supervision, improving services" and "optimizing business environment", the construction market in China has ushered in a wave of reforms in many aspects, including the qualification of construction enterprises, administrative examination and approval, margin management, quality and safety guarantee, etc. It has greatly released the vitality of the construction market and promoted the construction industry to return to the fast lane of industry development.

According to the statistics of National Bureau of Statistics, Ministry of Commerce and Ministry of Housing and Urban-Rural Development:

In the third quarter of 2020, under the background of "COVID-19" epidemic from outbreak to stability and gradual economic recovery, the domestic construction industry gradually recovered. From June 5438 to September 2020, the total output value of the national construction industry reached1679.27 billion yuan, a year-on-year increase of 3.4%; The national construction industry has signed a total of 20.35 trillion yuan of new contracts, a cumulative year-on-year increase of 8.76%. By the end of September 2020, the total amount of newly signed contracts in the construction industry nationwide was 39.09 trillion yuan, a cumulative year-on-year increase of 7.02%.

Under the influence of the epidemic, the construction industry in China has regained strong vitality, and the important driving force from the insurance industry can not be ignored. In fact, since 2065438+September 24, 2005, the State issued the Guiding Opinions on Matters Related to Insurance Industry Supporting Major Construction Projects, encouraging and guiding insurance forces to participate in construction projects has increasingly become an indispensable part of the rapid and healthy development of China's construction industry. In recent years, with the continuous promotion of strategic policies such as "simplifying administration and decentralizing power, strengthening supervision, improving services" and "optimizing business environment", insurance forces have widely participated in industry reforms such as margin management, public resource trading, and building a new quality and safety guarantee system, which has played an increasingly important role.

1, margin management, release enterprise vitality

For a long time, the payment and management of various project deposits have caused a heavy burden to the high-quality development of domestic construction enterprises and construction industries. Construction enterprises are troubled by funds, the project quality and contract performance are difficult to guarantee, and the industry development is in a bottleneck. Until 20 16, the state began to clean up all kinds of deposits in the field of engineering construction, and carried out the reform of deposit management, and promoted the replacement of cash deposits with engineering bonds, that is, engineering guarantee insurance, so that the development of construction enterprises once again went into battle lightly and regained its vitality.

Construction project guarantee insurance

It is a kind of contract guarantee insurance with the performance of construction contracts as the target. If the insured pays the insurance premium to the insurer, the insurer will guarantee the insured to perform the contract instead of the insured. Once the insured fails to perform the contract and causes losses to the insured, the insurer will perform the contract or compensate for the losses instead of the insured.

Since Wenzhou, Zhejiang Province took the lead in the pilot construction of engineering guarantee insurance on 20 14, the insurance mechanism has gradually shown many advantages in the field of margin management, including handling fees, procedures, not occupying credit, and effectively releasing the pressure of enterprise margin. In particular, the release of deposit and the leverage amplification effect of construction project guarantee insurance can greatly revitalize the funds of construction enterprises, reduce the operating burden of enterprises, and indirectly lower the economic threshold of project bidding and other activities.

Take Zhejiang Province as an example: in 20 18, Zhejiang Province undertook 10972 transactions, releasing 6.57 billion yuan for construction enterprises; In the first three quarters of 20 19, Zhejiang construction project guarantee insurance covered 2 1292, and the insured amount doubled compared with 20 18.

Take Qinghai Province as an example: Compared with Zhejiang Province, the pilot time of construction project guarantee insurance in Qinghai Province is obviously late, but the effect of releasing the deposit is remarkable. In the first half of 2020 alone, the province's construction project guarantee insurance has covered 2693 projects, releasing 957 million yuan for enterprises, equivalent to 20 19 of the annual amount in Qinghai Province.

Practice has proved that the application of insurance mechanism in the field of project deposit management, that is, the implementation of construction project guarantee insurance, can effectively release the deposit pressure of construction enterprises and help them reduce their burdens, thus promoting the improvement of construction quality, ensuring the performance of construction contracts and promoting the high-quality and rapid development of construction industry.

2. Promote the transaction of public resources.

The electronization of the whole bidding process is one of the key contents of the bidding system reform in the field of domestic construction projects in recent years, and it is also the main task of optimizing the business environment of the bidding market. During this year's epidemic, in order to effectively reduce the impact of the epidemic and support enterprises to resume work and production, many areas canceled on-site bidding registration and implemented a trial evaluation process without meeting. It is particularly important to build an electronic bidding process.

As one of the main types of construction project guarantee insurance, project bid guarantee insurance began the development process of "electronization" of letter of guarantee as early as 20 18. Through research and development, we will establish an electronic policy service platform for bid guarantee insurance, and continue to explore various cooperation modes for public resource transactions. On the basis of "promoting the traditional public resources transaction and supervision from offline to online", further give play to the advantages of electronic guarantee of bid guarantee insurance;

1

Effectively release the bid bond and reduce the occupation cost of enterprises;

2

Simplify bidding procedures and reduce processing time;

three

The whole process leaves traces and the information can be traced back, which promotes the transaction supervision and standardizes the bidding market order.

During the epidemic prevention and control period, the electronic insurance policy service platform for bidding guarantee provided strong support for "no meeting in the whole country and remote bid evaluation in different places", helping the construction industry to resume work smoothly.

3. Build a new quality and safety guarantee system.

In 2020, the development of domestic construction industry ushered in a wave of reforms including enterprise qualification, administrative examination and approval, and quality and safety guarantee. These industry changes contain huge market opportunities, but they also bring many risk challenges.

1

Cancel the construction drawing review, and the state proposes to "explore the cancellation of the construction drawing review (or narrow the scope of review) and implement the notification commitment system and the designer's lifelong responsibility system". On the one hand, it is to cancel the lengthy administrative examination and approval process and optimize the construction examination and approval procedures; On the other hand, in order to strengthen the main responsibility of related construction activities (construction units and design units), the mechanism of construction drawing review from administrative review to market self-examination is optimized.

2

Another example is the cancellation of compulsory supervision. The state proposed that "some projects no longer require compulsory supervision", the main purpose of which is to solve the problem of "failure" of construction supervision in the process of project management and explore the construction of a brand-new quality and safety management system.

Objectively speaking, in the current domestic construction market environment, whether it is the construction drawing review mechanism or the compulsory supervision cancellation, it will pose a risk threat to the quality of construction projects and construction safety.

Brand-new engineering quality assurance system

IDI engineering quality potential defect insurance, referred to as IDI insurance, is a kind of engineering quality insurance vigorously promoted by the state in recent years. It takes the potential defects of construction quality as the insurance target, and the insurance scope includes both the quality defects of "foundation and main works" and the common quality defects of "thermal insulation and waterproof works" in houses and residences. The duration of IDI insurance can be up to ten years.

In addition to the scope of responsibility and insurance period, IDI engineering quality potential defects insurance also innovatively launched TIS quality risk management services, providing risk management services for the whole process of construction project implementation through professional quality risk management service institutions, and establishing quality risk guarantee covering the whole life cycle of construction projects. IDI insurance for potential defects in engineering quality has realized the participation of insurance forces in engineering quality construction and built a brand-new engineering quality assurance system.

New safety production guarantee system

Safety production liability insurance, referred to as safety liability insurance, is also a kind of safety production insurance promoted by the state in recent years. Safety liability insurance is a brand-new safety production insurance based on the advantages of construction accident insurance and employer liability insurance.

Compared with the traditional production safety insurance, safety liability insurance not only expands the scope of protection, but also narrows the insurance exclusion liability, making the insurance protection function more comprehensive and forming more effective construction safety risk protection. At the same time, the safety liability insurance also breaks through the bottleneck problem that the traditional safety production insurance is limited to the compensation function afterwards, and innovatively introduces the "accident prevention function", so that all kinds of construction safety risks can be found in the embryonic stage, and then effective prevention and response measures can be taken. Through effective accident prevention mechanism, a brand-new safety production guarantee system is constructed.

It is worth noting that, especially during the epidemic prevention and control period, the coverage of safety production liability insurance in various places has been expanded to support enterprises participating in safety production liability insurance to cope with the COVID-19 epidemic and help the construction industry to resume work smoothly.

In recent years, the development of China's construction industry has experienced various development tests and achieved remarkable development results. Under the background that the country continues to promote the reform of the construction industry and encourages and supports the insurance industry to participate in the project construction, the insurance force has increasingly become an important force to promote the steady and rapid development of China's construction industry.