商业三者险亏损承保之原因剖析及其监管思考

Commercial third party insurance lost cover's reason probing and its supervision thinking

我国机动车辆保险保费收入占财险保费收入73%以上,由于市场竞争造成大面积亏损,在第三者责任保险方面甚至出现了亏损承保自愿投保的商业三者险,来应对激烈的竞争和强制性三者险的实施。对此现象,本文详细剖析了财险公司如此做法的内在动因,并提出了针对性的监管建议。

More than 73 percent of the property insurance premiums come from the motor vehicle insurance.But fierce competition results in the large-scale losses.In the field of the third party liability insurance,the companies are even willing to accept the commercial insurances at a loss in order to cope with the fierce competition and the compulsive insurance.In allusion to the phenomenon above,I analyze the reasons why the property insurance companies have the motivities to do this in this article,and then table some proposals of the supervision.