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从政策层面探究解决产险市场相关问题的路径

Exploring the Solution to Some Property Insurance Market Issues from the Policy Perspective
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摘要 近年来,特别是十六大以来,保监会的一系列方针政策有力地促进了我国财产保险业的发展,但也存在一些问题。要解决产险市场存在的一些普遍性问题,需要从政策层面考虑:一是调整兼业代理机构的多家代理为专属代理,以控制手续费不断攀升;二是恢复车险统颁条款费率,以控制价格持续走低;三是按照行政区域经营,维护区域市场秩序;四是合理控制保险公司设立及机构延伸步伐,以缓解人才瓶颈制约。 A series of polices staged by CIRC have effectively promoted development of property insurance in China in recent years, especially ever since the 16th CPC Congress. But there are still some problems to be tackled. And the solution to some wide-spread problems should be sought from change of relevant policies. Firstly, we should change non-specialized agencies from being non-exclusive agency to an exclusive one to curb spiraling commission; secondly, resume the premium rates of motor vehicle insurance products designed by head offices to control further decline of property insurance prices; thirdly, insurers should operate within the administrative region they belong to to maintain a good market order; and fourthly, the regulator should put a reasonable constraint on establishment of new insurances and new branches of existing companies to reduce the pressure of talent bottleneck.
作者 赵文和
出处 《保险研究》 CSSCI 北大核心 2006年第9期19-20,8,共3页 Insurance Studies
关键词 兼业代理 车险统颁条款费率 行政区划经营 non-specialized agency the premium rates of motor vehicle insurance products designed by head offices operation within administrative regions
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