商业车险费率改革对保险公司的影响及应对

On the Impact and Countermeasures of the Reform of Commercial Car Insurance Rates on Insurance Companies

商业车险费率改革已经在全国进行了第一批、第二批试点改革,第三批试点地区正在进行中,各家财险公司在保监会的部署下有序进行改革。这一场没有硝烟的战事再次把保险公司推向了改革的主战场,笔者仅从保险公司的视角来谈谈保险公司在费改背景下经营方面如何应对。

The first and second stage of the reform of commercial car insurance rates have been car- ried out in China. The third stage is being carried out in various property insurance companies in accord- ance with the arrangement of the CIRC. The insurance industry is once again been pushed to the main battle field by this white war. The author tries to discuss how the insurance companies should manage under the background of commercial car insurance rate reform.