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目前,车险市场不严格执行车险条款费率进行恶性价格竞争的问题比较突出,它既降低了部分保险公司的偿付能力,影响保险公司的稳健经营,也损害了投保人、被保险人的合法利益。为此,要完善财产保险公司的治理结构,改进经营考核体制;厘定车险纯风险损失费率,合理确定车险经营成本;以偿付能力优先原则实施监管;进一步完善财产保险公司车险业务处理信息系统;强化行业自律机制;加强保险知识的宣传。
At present, the auto insurance market does not strictly enforce the car insurance clause rate vicious price competition is more prominent, which not only reduces the solvency of some insurance companies, affecting the sound management of insurance companies, but also undermines the legitimate interests of policyholders, the insured . To this end, it is necessary to improve the governance structure of property and insurance companies, improve the management system of examination and evaluation; determine the rate of pure risk loss of motor insurance, reasonably determine the operating cost of auto insurance; supervise and control the principle of solvency; further improve the auto insurance business of the property insurance company to process the information system; Strengthen the industry self-discipline mechanism; Strengthen the insurance knowledge promotion.