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近两年,产险费率市场化步伐一直很快,特别车险经历了从统一费率到完全放开这样一个过程,让消费者在很短的时间内便体验了车险价格的大起大落。不过,今后产险产品定价将不再像以前那么“自由”,而是在划定的圈子里舞蹈。有消息称,保监会正在酝酿出台《财产保险公司条款费率管理办法》、《非寿险监管手册》及《车险定价准则》等规则,用意明显,加强监管,防止费率市场化被滥用。
In the past two years, the pace of marketization of property and casualty insurance premiums has been very fast. In particular, auto insurance has experienced such a process from unification of rates to completely letting consumers experience the ups and downs of auto insurance prices in a very short period of time. However, the pricing of property and casualty products will no longer be “free” in the future but will be danced within the designated circle. It is said that China Insurance Regulatory Commission is brewing promulgated the “rules and regulations of property insurance company fees and charges”, “non-life insurance regulatory manual” and “auto insurance pricing guidelines” and other rules, the intention is obvious to strengthen supervision and prevent the rate of market abuse is abused.