论加强我国机动车辆保险条款费率监管  

作　　者：李雪霜[1] 

机构地区：[1]武汉大学经济与管理学院,湖北武汉430072

出　　处：《保险研究》2007年第8期58-60,共3页Insurance Studies

摘　　要：目前,车险市场不严格执行车险条款费率进行恶性价格竞争的问题比较突出,它既降低了部分保险公司的偿付能力,影响保险公司的稳健经营,也损害了投保人、被保险人的合法利益。为此,要完善财产保险公司的治理结构,改进经营考核体制;厘定车险纯风险损失费率,合理确定车险经营成本;以偿付能力优先原则实施监管;进一步完善财产保险公司车险业务处理信息系统;强化行业自律机制;加强保险知识的宣传。At present, breach of contract provisions on premium rates of car insurance for vicious price competition is a glaring problem in the car insurance market. It lowers the solvency of insurance companies, impacts sound operation of insurance companies, and also undermines legitimate interests of the policyholders and the insured, So, it is necessary to improve the property insurance company corporate structure, improve their operational evaluation system; enact net loss premium rate for car insurance, determine reasonable operating costs; regulate with prioritizing insurer＇s solvency margin; improve the car insurance information systems of property insurance companies; strengthen the industry＇s self-discipline mechanism; and enhance dissemination of insurance knowledge to the public.

关 键 词：机动车辆保险 条款费率 监管 

分 类 号：F840.32[经济管理—保险]