商业车险全面市场化的可行性研究  

A feasibility study on the full marketization of commercial auto insurance

作　　者：何树印 He Shuyin(PICC Property and Casualty Company Limited Sichuan Liangshan Yi Autonomous Prefecture Branch,Xichang,Sichuan,615000)

机构地区：[1]中国人民财产保险股份有限公司四川省凉山州分公司,四川西昌615000

出　　处：《市场周刊》2021年第1期145-147,共3页Market Weekly

摘　　要：随着我国车险市场的发展和保险公司经营能力的提升,实施全面市场化将是商业车险改革的必然方向。全面市场化有助于提升车险产品定价的合理性,提升车险市场整体运行效率,促进车险产品和服务创新。全面市场化同时也需要建立在强有力的监管保障基础之上,包括强化偿付能力监管、建立完善的市场退出机制和强化消费者权益保护。With the development of the auto insurance market and the improvement of insurance companies’operating capabilities,a reform of comprehensive marketization will be inevitable.This will help improve the rationality of auto insurance product pricing,improve the overall operating efficiency of the market,and promote the innovation of insurance products and services.Full marketization also needs to be built on the basis of strong supervision,including strengthening solvency supervision,establishing a sound market exit mechanism and improving the consumer rights protection.

关 键 词：商业车险 全面市场化 保险监管 

分 类 号：F840.634[经济管理—保险]