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为了保护公众利益,维护保险体系的安全和稳定,促进保险业健康发展,有必要对保险条款费率进行监管。从世界范围看,保险条款费率监管大体分为以市场自律为主导的松散型模式、以政府监管机构为主导的严格型模式以及两者兼而有之的混合型模式。目前,我国保险条款费率的制定和执行过程中不同程度地存在产品雷同、产品适销性差、条款通俗性不够、产品定价不合理、条款费率执行随意等问题。为此,必须鼓励产品创新,增强保险产品创新动力;加大偿付能力的监管力度,抑制非理性价格竞争;加强保险行业协会建设,提高对公司产品设计的支持力度;加强对保险附加费率的监管控制,扼制高手续费、高贴费;加强产品信息披露,充分发挥市场机制的作用。
In order to protect the public interest, safeguard the safety and stability of the insurance system, and promote the healthy development of the insurance industry, it is necessary to supervise the insurance clause rates. Judging from a global perspective, regulation of insurance clause rates is broadly divided into a loose model dominated by market self-regulation, a strict model dominated by government regulators, and a hybrid model of both. At present, there are some problems in the formulation and implementation of China’s insurance clauses and rates, such as product similarity, poor product marketability, insufficient popularity of products, unreasonable pricing of products and random implementation of the terms and rates. To this end, we must encourage product innovation, enhance the innovation power of insurance products; strengthen the supervision of solvency, inhibit the irrational price competition; strengthen the insurance industry associations to enhance product design support; strengthen the insurance premium rate Supervise and control, curb high fees, high subsidy; strengthen product information disclosure, give full play to the role of the market mechanism.