【摘要】 《保险法》的最新修订使我国保险费率市场化正式揭开序幕。我国对入世承诺的履行要求、市场竞争的加剧以及现行费率管制的缺陷都必然要求我们加快实现费率市场化。在短期内 ,我国费率市场化会产生费率水平下降、保险公司经营困难以及保险市场规模扩大等效应。费率市场化会对保险公司的盈利能力、竞争手段、经营管理水平及保险监管等带来严峻的挑战 ,因此 ,要采取一系列有效的措施使费率市场化能够顺利进行。更多还原

【Abstract】 The new amendment of Insurance Law marks the beginning of marketization of insurance fee rate in China.The Commitment of Chinas entry into WTO,intensified competition and shortcomings in current fee rate system all demand us to foster the marketization process of fee rate.The marketization of fee rate will inevitably meet challenges from various aspects,therefore,suitable measures should be taken to deal with the situation.更多还原