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保险费率体制的改革如何适应社会主义市场经济和保险事业发展的需要,是当前面临的一个突出问题.人保公司作为我国保险市场的龙头,正面临国内和国外保险企业的严峻挑战,人保“大一统”的计划经济管理体制已不适应当今的市场经济,要进行改革,尤其是原来的费率体制更显得十分滞后,改革更为迫切.一、保险费率在保险市场中的地位与作用.保险费率,作为保险的价格,必须遵循价值规律进行运作,而费率发挥作用的基础和条件,也正是保险市场主体之间的运作.保险费率的涨与落,可以起到优化保险资源配置和促进企业经济效益转化的作用.费率是保险市场的“晴雨表”,它在市场中的地位和作用是十分突出和灵敏的.
How to adapt the reform of premium rate system to the need of the development of socialist market economy and insurance business is a prominent issue facing our country nowadays.Protection Insurance Company (PICC), as the leader of China’s insurance market, is facing the severe challenge of domestic and foreign insurance companies. PICC Unified “planned economic management system has not adapted to today’s market economy, to carry out reforms, especially the original rate system is even more lagging behind, the reform is more urgent.First, the insurance premium rate in the insurance market status and role. Insurance rates, as the price of insurance, must follow the law of value to operate, and the basis and conditions for the rate to play a role, it is also the operation between the insurance market entities. Insurance premiums rise and fall, you can play optimized insurance Resource allocation and promotion of the transformation of economic efficiency of enterprises.The rate is a ”barometer" of the insurance market, its position and role in the market is very prominent and sensitive.