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统计代理制度在美国财产保险费率监管体系中发挥了基础性作用,统计代理人或咨询机构通过加工并提供真实、准确、有用的精算和业务数据信息,既保证了财产保险公司科学地对风险进行精算定价,又为实施费率监管提供了基本依据,较好地维护了消费者的利益。建立统计代理制度对完善我国的财产保险费率监管体系、有效遏制费率恶性竞争以及妥善解决可能出现的交强险争议同样具有重要的现实意义。
The statistical agency system plays a fundamental role in the regulation system of the U.S. property insurance premiums. The statistical agents or consulting agencies not only ensure that property insurance companies scientifically manage risk by processing and providing real, accurate and useful actuarial and operational data information Actuarial pricing, but also for the implementation of tariff monitoring provides a basic basis for better safeguarding the interests of consumers. The establishment of statistical agency system is also of great practical significance to perfect the supervisory system of property insurance rates in our country, effectively curb the vicious competition of the rates and properly handle the potential disputes of strong insurance.