论保险条款、费率之审批

On Examination and Approval of Insurance Clause and Premium Rate

保险合同条款、费率的审批须遵循一定的原则。保险条款符合要求的,应予审批,但若保险条款应经审批而未审批的,不应因此而导致保险合同无效。保险条款、费率的备案制比审批制更有利于提高监管效率。

The examination and approval of insurance contract clause and premium rate should be based on some principle,if the insurance clause accords with what is required,it should be examined and approved.If the insurance clause that should be examined and approved isn't examined and approved,it will not necessarily make the insurance contract invalid.To compare with examination and approval system,the file system of insurance clause and premium rate is favorable to improve supervision efficiency.