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一年多来,新版机动车条款和费率的实施并未给中国保险市场带来所期待的结果。相反却出现了车险业务大面积亏损、道德风险内外频发、理赔投诉大量增加、部分产品简单且粗暴地限制投保或暂停办理、行业违规被多部门处罚等等现象。据权威机构最新的统计资料显示,2003年前三季度,全国财产险保费收入671.97亿元,其
For more than a year, the implementation of new motor vehicle terms and rates has not brought the expected result to the Chinese insurance market. On the contrary, there has been a large loss of auto insurance business. Frequently, internal and external moral hazard has increased with a large number of claims and complaints. Some of the products have simply and rudely restricted the application for insurance or suspension, and industry violations have been punished by many departments. According to the latest statistical data of the authoritative agencies, in the first three quarters of 2003, the national property insurance premium income reached 67.197 billion yuan,