交强险经营亏损的内在制度因素分析

保险公司经营交强险多年亏损已是不争的事实,而导致交强险亏损的原因有制度因素和非制度因素,文章着重探讨交强险按事故责任比例赔付以及财产损失纳入理赔范围这两种与制度因素相关的理赔方式是否合理。认为在现行交强险条款尚不成熟,经营机制尚不完善的情况下,不按事故责任比例进行赔付加重了经营交强险保险公司的财务负担,财产损失赔付应待未来交强险改革深化,费率制定合理后再适时引入。

The deficit of the compulsory auto insurance in insurance companies has been an indisputable fact for many years, the causes lying in both institutional and non -institutional factors. The paper emphatically probes whether the compensation according to the proportion of liability accident and incorporate the property loss into the compensation range are reasonable. This paper holds that under the condition that the terms of the com- pulsory auto insurance policy are not mature and the operating mechanism not perfect, the compensation not ac- cording to the proportion of liability accident has increased the financial burden of the insurance companies. In addition, the compensation for the property loss should be considered only after the deepening reform of compul- sory auto insurance and premium rate being reasonable.