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“不盈不亏”往往是作为经营强制性保险或政策性保险项目的一个众所周知的原则。例如从2006年7月1日开始实施的机动车辆“交强险”,就要求贯彻“不盈不亏”的原则,在试验政策性农业保险时也要求实行“不盈不亏”的原则,有些地区政府推行强制医疗责任险也要求实行这个原则。未来将要实行的各种强制性保险或政策性保险也会要求贯彻这个原则。与“不盈不亏”原则相应的顺理成章的要求就是经营核算出现“盈”或“亏”的时候就要相应调低或调高费率。但在实践中,如何理解这个原则,如何真正贯彻这个原则正不断遇到挑战。
“No gain or loss” is often the well-known principle of running compulsory or policy insurance programs. For example, from July 1, 2006 began to implement the motor vehicle “pay strong insurance”, it requires the implementation of “no profit without loss” principle, when testing policy-oriented agricultural insurance also requires the implementation of “no profit without loss” principle, in some areas The government also imposes this principle on the compulsory medical liability insurance. Various mandatory insurance or policy insurance to be implemented in the future will also require the implementation of this principle. The logical and corresponding requirement corresponding to the principle of “no profit without loss” is that the rate should be lowered or raised correspondingly when the “surplus” or “loss” occurs in the business accounting. However, in practice, how to understand this principle and how to truly implement this principle are constantly encountering challenges.