析机动车交通事故责任强制保险

An Analysis of the Mandatory Motor Vehicle Traffic Liability Insurance

2006年3月29日，历时22载，经历无数次的研究、讨论和完善的机动车交通事故责任强制保险终于出台了。交强险的诞生为车险市场朝着更规范、更成熟的方向发展指明了方向。同时，也为保险业更好地发挥经济补偿和社会管理功能，促进社会的稳定与和谐发展，起到了积极的推动作用。作为新生事物，现行的交强险在经营模式、赔偿原则以及相关的配套制度等方面尚存在一些缺陷和不足，需要在今后的经营管理过程中逐渐加以完善。

After 22 years of study, elaboration and perfection, the mandatory motor vehicle traffic liability insurance policy was finally enacted on March 29, 2006. Its advent points to the direction of more standardized and sophisticated development of auto insurance. Meanwhile, it is also constructive for the insurance industry to better play its roles of economic compensation and social management and promoting social stability and harmonious development. As a policy in its infancy, this mandatory liability insurance remains to be improved in its actual operation in terms of operational model, compensation principles and supporting policies and systems.