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由于近年来我国工程建设的高速发展，建筑行业被列入我国风险高发行业中的第二位。工程建设过程的风险中主要可分为自然风险和人为风险。本文对工程保险风险管理制度存在问题进行分析，并提出相应的解决措施，为工程保险制度更好地推广提供一定的技术参考。“,”Due to the rapid development of China\'s engineering construction in recent years, the construction industry has been listedas the second highest risk industry in China. The risks in the process of engineering construction can be divided into natural risk