2003年1月1日车险条款费率的改革进入了实际的操作阶段。应该说这次车险费率改革适应国际保险发展的趋势,有利于促进保险公司加强和改进服务,重视数据积累和风险分析,增强公司应对WTO的竞争能力,使被保险人得到实惠。但车险费率的改革对我国保险监管工作也提出了新的问题和挑战。 January 1, 2003 motor insurance rates reform into the actual operation stage. It should be said that the reform of auto insurance rates to adapt to the trend of international insurance development is conducive to promoting insurance companies to strengthen and improve their services, emphasis on data accumulation and risk analysis, and enhance the competitiveness of the company to cope with the WTO so that the insured get benefits. However, the reform of auto insurance rate also poses new problems and challenges to our country’s insurance supervision work.