我国机动车辆保险保费收入占财险保费收入73%以上,由于市场竞争造成大面积亏损,在第三者责任保险方面甚至出现了亏损承保自愿投保的商业三者险,来应对激烈的竞争和强制性三者险的实施。对此现象,本文详细剖析了财险公司如此做法的内在动因,并提出了针对性的监管建议。 China’s motor vehicle insurance premium income accounted for more than 73% of property insurance premiums, as a result of market competition caused a large area of ​​loss, liability insurance in the third party or even a loss of insurance voluntarily insured commercial three risks to cope with fierce competition and coercion The implementation of three risks. To this phenomenon, this article analyzes in detail the intrinsic motivation of property insurance companies in this way, and put forward specific regulatory recommendations.