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目前 ,我国现行的保险费率体系与费率监管方式存在着弊端。随着我国保险市场开放力度的加大和竞争的加剧 ,保险费率市场化将成为一种必然趋势 ,因而 ,保险公司必须改变传统的思维模式 ,以用户需求为核心 ,制定适应市场细分 ,富有前瞻性的产品开发战略 ,整合产品开发体系 ,强化保险总公司产品开发的核心地位 ,使开发的保险新产品具有鲜明的保险品牌文化 ,以便更有效地应对费率市场化 ,求得生存与发展。
At present, there are drawbacks to the current insurance premium rate system and rate regulation in China. With the opening up of our insurance market and the intensification of competition, the marketization of insurance premiums will become an inevitable trend. Therefore, insurance companies must change the traditional mode of thinking, take the user needs as the core, formulate a policy to adapt to market segmentation, Forward-looking product development strategy, integration of product development system, strengthen the insurance company’s core product development, the development of new insurance products have a clear insurance brand culture in order to more effectively cope with the market-based rates, and seek survival and development .