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随着入世的临近 ,面对保险费率严格监管所产生的一些弊端 ,费率市场化的呼声日渐高涨 ,但近期内不宜实行费率市场化 ,主要因为 :一是费率市场化不利于中资保险公司的生存和发展 ,因外资保险公司的大规模经营、高水平管理所带来的成本降低和费用节约 ,低的费率销售保险产品而不要亏本 ,而中资保险公司处于启步阶段 ,需要市场适度保护 ;二是我国近期内不具备费率市场化的条件主要表现为市场发育不成熟 ,没有完备的法律体系 ,没有健全的监管机制和制度 ,市场主体运作不规范等等。
With the advent of accession to the WTO, in the face of some shortcomings arising from the strict supervision of premium rates, the market-oriented calls for tariffs are on the rise. However, the introduction of tariff liberalization in the near future is mainly due to the following reasons. First, market-based tariffs are detrimental to The survival and development of capital-backed insurance companies, due to the large-scale operation of foreign-funded insurance companies, the cost reduction and cost savings brought by high-level management, and the low rate of sales of insurance products without losing profits while Chinese-funded insurance companies are in their infancy , Which requires moderate market protection. Second, the conditions for not marketizing tariffs in the near future are: immature markets, incomplete legal systems, no sound regulatory mechanisms and systems, and non-standard market players.