高度集中的费率监管体制 ,严重地障碍着我国保险业的发展。目前 ,不论从保险市场内部发育的情况看 ,还是从我国经济体制改革推进的情况来看 ,改革费率监管体制已刻不容缓。我国保险费率市场化至少包括以下三个方面的内容 :一是在保险费率改革的目标模式上 ,要使绝大多数条款的费率在市场竞争中形成 ,少数必须由监管部门制定的费率其形成也要在价值规律的基础上 ,充分考虑市场的情况。二是在费率改革的基本内容方面 ,要以转换费率形成机制为核心。三是在费率改革的途径和方式上 ,采取渐进的方式 ,实行调放结合 The highly centralized rate supervision system seriously hindered the development of China’s insurance industry. At present, judging from the internal development of the insurance market or from the perspective of advancing the reform of the economic system in our country, it is imperative to reform the regulatory system of tariffs. The marketization of insurance premiums in our country includes at least the following three aspects: First, in the target mode of insurance premium reform, the majority of the tariffs should be formed in the market competition, and the minority must be determined by the regulatory authorities The formation of its rate of value should also be based on the law, give full consideration to the market situation. Second, in the basic content of the rate reform, it is necessary to center the rate conversion mechanism. Thirdly, on the ways and methods of rate reform, we should adopt a gradual approach and implement a combination of transfer and adjustment