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经国务院批准,普通型人身保险费率政策改革正式启动,新的费率政策将从8月5日起正式实施。普通型人身保险费率政策改革是继我国保险公司股份制改造及上市之后又一次具有里程碑意义的改革,它标志着我国人身保险业第一次初步建立起了符合社会主义市场经济规律的费率形成机制,使我国人身保险公司的经营管理及市场监管与国际接轨迈出了坚实的一大步。本次费率政策改革的基本思路是放开前端、管住后端,即前端的产品预定利率由保险公司根据市场供求关系自主确定;后端的准备金评估利率由监管部门
Approved by the State Council, the ordinary type of personal premium rate policy was officially launched, and the new rate policy will be implemented from August 5 onwards. The reform of ordinary life insurance premium rate policy is another milestone reform after the shareholding system reform and listing of our country’s insurance company. It marks the first time that the personal insurance industry in our country has initially established the rate forming in line with the law of socialist market economy Mechanism, so that China’s life insurance company’s management and market regulation and international standards have taken a solid a big step. The basic idea of the reform of the tariff policy is to liberalize the front and control the back-end, that is, the front-end product of the predetermined interest rate determined by the insurance company based on market supply and demand autonomy; the back end of the reserve assessment rate by the regulatory authorities