一、严格费率管制带来的弊端1.全国统颁保险费率违背了保险定价的基本原则。保险费率的厘定应体现公平合理的原则。保险人收取的保费应与保险人所承担的危险性相称。在保额一定的时候,低风险标的相应的费率应较低;高风险标的相应的费率应较高。然而我国地域辽阔,不同地区间的地 First, the drawbacks of stringent rate control 1. The national standard insurance premium rates violate the basic principles of insurance pricing. The determination of premium rates should reflect the principle of fairness and reasonableness. The premium charged by the insurer should be commensurate with the risk borne by the insurer. When the sum insured, the corresponding rate of the low-risk target should be lower; the corresponding rate of the high-risk target should be higher. However, China’s vast territory, between different regions