保险行业协会价格自律行为的反垄断法规制限度

Regulation Limit of Anti Monopoly Law in the Price Self-discipline of the Insurance Association

保险行业协会的价格自律行为是指保险行业协会在自律公约中的固定保险费率和固定手续费的行为,这两类行为在实践中屡屡因为违反反垄断法的规定而遭受处罚。保险行业协会价格自律行为,虽然在形式上限制了竞争,但运用合理原则进行分析,价格自律行为能有效阻止恶性竞争,保障保险公司偿付能力,维护消费者远期利益,不应受到反垄断法的规制。

The price self - discipline of the insurance association refers to the fixed rate and fixed fee of the insurance association in the self - discipline convention. These two types of acts are punished for violating the provisions of the anti - monopoly law. Although the price self - discipline of the insurance association limit competition in form, it can prevent vicious competition and keep repayable capability . So the price self - discipline of the insurance association should not be regulated by anti - monopoly law.