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酝酿了多年的车险条款及费率改革,经过一年多在广东的试点后,终于将从2005年1月1日起在全国范围内全面实行。车险产品及其费率将一改过去由监管部门统一制定的方式,由各家保险公司根据自身的实际情况,个性化地确定自家车险条款和费率标准,在组分不同客户群体和不同风险元素的基础上,有针对性地厘定不同的价格。它揭开了保险公司全面走向精细化经营、个性化经营和市场化经营的序幕,是中国保险业经过较长时期稳扎稳打的稳健经营后逐步走向成熟的具体表现,也是民族保险业与国际惯例接轨的又一观念大转变。
After many years of reform of the auto insurance terms and rates, after more than a year of pilot projects in Guangdong, it will finally be fully implemented nationwide starting January 1, 2005. Auto insurance products and their rates will be changed in the past by the regulators unified approach to the development by the various insurance companies according to their own actual situation, individually determine their auto insurance terms and rates standards in different components of the different customer groups and different risks On the basis of the elements, different prices are determined in a targeted manner. It unveiled the prelude of the insurance company going all-roundly toward refined operation, individual operation and market-oriented operation. It is a concrete manifestation of the gradual maturity of China’s insurance industry after a steady operation of a long period of steady operation. It is also a matter of conformity of the national insurance industry with international practices Another big change in concept.