车险市场中投保人保费负担能力评估

Evaluation of the Policy Holders' Premium Affordability in Automobile Insurance Markets

目前,我国车险市场的费率市场化工作正在保监会的推动下逐步开展。以"从车主义"为主的我国现行车险费率制度在满足投保人需求方面存在的缺陷,特别是投保人对保费的负担能力问题是费率市场化过程中需要考虑的重要内容。本文基于对机动车辆保险保费负担能力的设定,从不同的角度对投保人车险保费负担能力进行了评估,并在分析投保人负担能力的基础上,对车险费率改革的未来方向提出政策建议。

The marketization of automobile premium rating is in progress under the promotion of CIRC （China Insurance Regulatory Commission）. However,the present defection that automobile-deflected rating system can hardly meet people＇s demand, especially the problem of policy holders＇ premium affordability are worthy of consideration. Based on defining premium affordability, this paper evaluate the present affordability of automobile insurance policy holders from different angels, and then proposes several policy countermeasures on the future direction of the reform of the rating system.