摘要
我国机动车辆保险的条款与费率在2003年月1月1日以前,一直由政府主管部门统一制定,各保险企业严格执行,这种严格管制的做法带来许多弊端。实际上,车险费率市场化可以改变严格管制带来的种种不足之处,可以促进保险产品的多元化发展而且有助于保险市场的有序、健康发展。但是,通过对保险市场运行状况的考察,可以看出车险费率市场化不能做到一步到位。因此,目前我国保险市场尚不成熟,尚不具备费率市场化的全部条件。
Before January 1st, 2003, the item and fee rates of the motor vehicle insurance were established by the government in our country, each insurance enterprise strict performance, the way of doing this kind of strict control brought many irregularities.Actually, car insurance the fee rate market turns and can change the strict control bring various shortage of place, can promote diversified development of the insurance product and contribute to the insurance market contain preface, healthy development.But, through the investigation that circulates the condition to the insurance market, can see a car insurance fee rate market turn and can＇t attain one step to.Therefore, our country insurance market is still not mature currently, still not have all condition that market of fee rate turn.
出处
《经济研究导刊》
2008年第10期75-77,共3页
Economic Research Guide
关键词
车险费率
偿付能力
费率市场化
car insurance fee rate
solvency
fee rate marketing
