商业车险改革与交通安全  

Commercial automobile insurance reform and road safety

作　　者：胡伟超 刘君 

机构地区：[1]公安部道路交通安全研究中心

出　　处：《汽车与安全》2015年第6期78-80,共3页Auto & Safety

摘　　要：近日,中国保险监督管理委员会印发了《深化商业车险条款费率管理制度改革试点工作方案》,部署6月1日正式实施商业车险改革试点,改革将逐步放开商业车险费率＂行政化＂管制,车辆安全性能、驾驶人驾驶习惯等将纳入风险定价体系。分析认为,改革后,通过对事故高发车型制定更高费率促使车辆制造企业提高车辆安全性能,通过对良好驾驶习惯的驾驶人降低费率引导公众安全文明驾驶,商业车险将更好的发挥＂奖优罚劣＂的经济杠杆作用,也将对全社会道路交通安全水平产生深远影响。Recently, the China Insurance Regulatory Commission issued the ＂Pilot program of deepening management system reform of commercial automobile insurance clauses and rates ＂, reform pilot will be implemented in June 1 formally The reform will gradually relax the rate regulation, vehicle safety performance and the driving habits will be included in risk-based pricing system. After the reform, we can encourage vehicle manufacturers to improve vehicle safety performance by increasing the insurance rates of high accident risk vehicle type, encourage drivers to drive safely by lowering insurance rates of the driver with good driving habits. Commercial automobile insurance would play as a better economic leverage, and will also have a profound impact on road safety level of the whole society

关 键 词：汽车保险 交通安全 费率改革 经济杠杆 

分 类 号：F842.634[经济管理—保险] D631.5[政治法律—政治学]