中国保险费率监管机制的回顾和改革
文章摘要:价格机制是市场调节资源配置的一个基本手段,费率监管机制改革是保险业市场化改革的一个核心部分。本文梳理和总结了寿险、意外伤害险、商业车险和“交强险”这4个大类险种的费率监管机制的发展历程。进一步分析,在当前时期,对这4个险种的费率监管机制进行市场化改革的内容、影响以及应当注意的主要事项。
Abstract:Price mechanism is a basic means of resource allocation by the market,and the insurance rate regulation mechanism reform is a core part of the liberalization reform in the insurance industry. This report reviews and summarizes the development history of insurance rate regulation mechanism of four important insurance types-life insurance,accidental injury insurance,commercial auto insurance and compulsory auto liability insurance. F... 展开