中国保险费率管理制度的变迁与改革

Evolution and reform of the premium rate system in China

自国内保险业恢复发展以来,费率管理就作为一项重要的保险管理制度确立起来。随着保险业发展情况的变化和政府对金融业管理体制的调整,中国保险业费率管理制度先后经历了分散的指导性管理、严格的集中统一管理和市场化管理三个发展阶段,并正在向更加全面的费率市场化管理迈进。梳理和回顾这一变迁过程的诱因和成果,对于继续推进保险费率市场化改革意义重大。

Ever since China resumed the domestic insurance business, premium rate management has been established as an important management system for the insurance industry. Along with the development of the insurance industry and the restructuring of the financial industry, the premium rate management system has gone through three stages, namely, non-centralized guidance, stringent centralized management and market-driven management. It is now been in the process of full liberalization at the moment. Making an overview on drivers for these evolutions and corresponding achievements is of great significance for further liberalization of the premium rate system.