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1980年全国恢复保险业务以来,机动车辆保险一直是财产保险中的主要险种。全国承保车辆数从 1980年的 7922辆发展到2001年的1970万辆,总保费从人民币728万元到420.9亿元,在财产保险业务构成中占比达到60％以上,车险业务经营的好坏直接关系到各家财产保险公司的成败,直接关系到财产保险公司的经济效益。但是,我国的车险条款和费率却一成不变地用了15年,直到1995年才开始第一次条款变动。1999年和2000年又两次变动,相应费率也有所变化。随着我国加入WTO,国外保险公司的进入,国内保险主体的增加,车险统制费率的弊端越来越明显,国内保险业在车险费率上一刀切,在保险条款上大一统的计划经济管理
Motor vehicle insurance has been the main insurance in property insurance since the national recovery of the insurance business in 1980. The number of covered vehicles in China increased from 7,922 in 1980 to 19.7 million in 2001 with a total premium of 7.28 million yuan to 42.09 billion yuan, accounting for more than 60% of the composition of property and casualty insurance business. The auto insurance business was good or bad It is directly related to the success or failure of various property insurance companies and is directly related to the economic benefits of property insurance companies. However, China’s auto insurance terms and rates have been used unchanged for 15 years until 1995, when the first change of terms began. In 1999 and 2000 twice again, the corresponding rates also changed. With China’s accession to the WTO, the entry of foreign insurance companies, the increase of the main domestic insurance, the drawbacks of the auto insurance control rate become more and more obvious. The domestic insurance industry has a one-size-fits-all on the auto insurance rates,