加强我国保险费率调控的思考

【摘要】 费率调控是保险业宏观调控的重要组成部分,对于维护保险市场公平、效率和稳定具有重要意义。目前我国保险费率体系存在部分险种费率有失公平、财产险费率持续下降、费率结构不尽合理、部分险种附加费率核算不科学、对具有正外部效应的部分保险产品费率调控不足等问题。需要通过完善费率调控体系、建立主要险种损失数据库等措施,进一步加强我国保险费率调控。更多还原

【Abstract】 Premium rate control is an important component of the Marco-control of the insurance industry, and has a significant bearing on the equality, efficiency and stability of the insurance market. The current premium rate system is flawed with problems such as lack of equality of some product pricing, continuous decrease of property insurance product premium rate, irrational premium rate structure, incorrect premium rate of some riders and the positive domino effect of insufficient control on premium rate of some products, etc. China should tighten premium rate control by improving the premium rate control system and establishing a loss data bank of major insurance products.更多还原