保险费率监管效应分析

Analysis on Effect of Rate Regulation

本文从经济学的角度,探讨保险费率监管的效应问题。研究表明,保险费率监管,不论是限价还是实行最低价格,都会使社会福利遭受损失。因此,文章认为现阶段我国应逐步放松费率监管。

From the point of view of economies, the paper studies the effect of rate regulation in insurance market. It shows that rate regulation for controlling price or practising the minimum price will result in deadweight social welfare losses. The paper considers the rate of insurance should be deregulated step by step in China.