重庆市商业车险市场现状及对策——基于重庆市商业车险市场调查

Current Situation and Countermeasure of Chongqing Commercial Auto Insurance Market--based on Inves⁃tigation of Chongqing Commercial Auto Insurance Market

经过两轮费率改革,重庆市商业车险市场存在的主要问题是商业车险挤占其他险种费用的现象比较普遍,商业车险费用率明显偏高,商业车险赔款结构不合理,商业车险市场存在竞争方式简单和修车乱象、优惠乱象、服务乱象、中介乱象等,这些问题归根到底是客户不成熟、市场主体不成熟和市场化改革不到位等原因所导致,建议参考银行利率市场化形成机制,按照银行贷款利率报价“LPR”形成方式,形成商业车险的“保险的LPR”,并以此作为基础,各保险公司加调整系数形成商业车险市场化费率,下沉监管,严管中介,促进商业车险平稳健康发展。

After two rounds of tariff reform,the main problems in Chongqing's commercial vehicle in⁃surance market are that commercial vehicle insurance occupies other types of insurance costs generally,the rate of commercial vehicle insurance costs is obviously high,the structure of commercial vehicle insurance claims is unreasonable,and the commercial vehicle insurance market has simple competition mode,chaos of repair,chaos of preferential policies,chaos of service,chaos of intermediary,etc.these problems are attributed to Based on the immaturity of customers,the immaturity of market subjects and the inadequacy of market-ori⁃ented reform,it is suggested to refer to the formation mechanism of interest rate marketization of banks,form the"insurance LPR"of commercial vehicle insurance according to the formation mode of"LPR"of bank loan interest rate quotation,and on this basis,all insurance companies add adjustment factors to form the marketoriented rate of commercial vehicle insurance,sink supervision,Strictly control the intermediary and promote the steady and healthy development of commercial vehicle insurance.