[摘要]提出适合我国国情的工程质量保险制度，即强制要求建设单位投保工程质量损害保险，同时实施强制第三方质量检查制度和强制问题工程曝光制度，在赔偿消费者损失后，保险公司可以取代建设单位向负有质量责任的建造单位追偿。

[关键词]工程质量保险；强制保险；制度设计

abstract:the paper proposes design plan of inherent defects insurance system against buildings（idisab）suitingfor the condition of china,which requires clients to purchase damage insurance against inherent defects,put thirdparty technical inspection into force,and exposes the inferior porjects compulsorily.after compensating for loss ofbuilding\'s owner,the insurer could subrogate clients to demand repayment from responsible builders.

key words: inherent defect insurance against building;compulsory insurance;system designing

1引言我国工程质量问题较为严重。lOcalHoST

[4]高月龙，郭振华，李鹏，等．上海世博村e、f地块工程风险管理试点研究与实践[j]．建筑经济，2010（2）.