推进机动车辆保险费率市场化改革势在必行

On Promoting the Reform of Automobile Insurance Rating Marketization

机动车辆保险费率市场化是近些年来保险市场上的一个热门话题,也是制约机动车辆保险市场发展的一个瓶颈和唯一的出路。回顾30多年来车险费率的变化、利弊以及市场化的前提条件等,对加快费率市场化有一个更为清晰的认识,既要充分认识车险费率市场化的重要性和必要性,摈弃那些保守怕乱的错误认识,从市场经济和市场化对接的高度理解车险改革特别是费率改革的迫切性,又要认真做好思想准备、技术准备、人员准备和流程准备工作,积极搭建适合费率市场化操作平台的步伐,坚定不移地走机动车辆保险费率市场化改革之路。

Automobile insurance rate marketization is a hot topic in the insurance market during the recent years, also the bottleneck constraint on the development of automobile insurance market and the only way out. This paper took a short brief review on the change, advantages and disadvantages of automobile insurance recent 30 years, and the precondition of marketization. In that way the author gave us a clear understanding on quickening the rate marketization. Not only should we realize the importance and necessity of the automobile insurance rate marketization on the level of docking the market economy and marketization from those false realizations, but also should make the preparations from every aspect for the reform of the automobile insurance rate marketization.