理性看待“交强险”

To rationally evaluate"China traffic accident mandatory liability insurance"

"交强险"实施一年了,由于该险种事关广大民众利益,受到社会广泛关注。本文讨论了有关"交强险"的几个备受关注的问题,"交强险"是一个公益险种,不以营利为目的;保险费率是在科学精算基础上制定的,撇开精算和将来的审计结果,单单来讨论赔偿限额的高低也不是毫无意义;"无责赔付"的问题应到上位法中去探讨。

The compulsory traffic accident liability insurance has been rolled out for a year. Due to its wide impact, this plan receives a lot of attention. The paper discussed several issues regarding the compulsory plan. The author held the opinion that this was a plan for public interest not for profit; insurance premium rate was calculated on actuarial basis, therefore it was meaningless to discuss about payment limit with no consideration of actuarial basis and future auditing results ; and ＂nonliability payment＂ should be elaborated in a higher legislative level.