美国财产保险费率监管体系中的统计代理制度研究  

The statistic agency system in the regulation on property & casualty insurance in the United States

作　　者：王治超 阎建军 

机构地区：[1]中国保险行业协会,北京100140

出　　处：《保险研究》2008年第8期94-95,90,共3页Insurance Studies

摘　　要：统计代理制度在美国财产保险费率监管体系中发挥了基础性作用,统计代理人或咨询机构通过加工并提供真实、准确、有用的精算和业务数据信息,既保证了财产保险公司科学地对风险进行精算定价,又为实施费率监管提供了基本依据,较好地维护了消费者的利益。建立统计代理制度对完善我国的财产保险费率监管体系、有效遏制费率恶性竞争以及妥善解决可能出现的交强险争议同样具有重要的现实意义。The statistic agency system plays a fundamental role in the regulation of property ＆ casualty insurance premium rates in the United States. The statistic agent or advisory firms help to ensure property ＆ casualty insurers conduct actuarial pricing on their risks scientifically through processing and providing with truthful, accurate and useful actuarial and business data. They also offer the basis for regulator＇s supervision on premium rates and protect the interests of consumers. Establishing a statistic agency system will be of great significance on improving Chinese regulator＇s supervision on property ＆ casualty insurance premium rates, effectively curbing irrational pricing competition, and properly solving the disputes over mandatory third-party traffic liability insurance.

关 键 词：费率监管 统计代理制度 费率市场化 

分 类 号：F840.32[经济管理—保险]