The Challenge Of Car Insurance Rate Market Reform And Countermeasures

Insurance rates is composed of pure premium rate and additional rate. In theory, Regulators should not intervenerate of insurance subject set too much. Recently, the insurance supervision and administration commission issued "the opinion of deepening the reform of commercial car insurance clause fee management system ". It marks that the rate of business car insurance market reform officially launched. The pilot range including Heilongjiang, Shandong, Chongqing, Guangxi, Shaanxi, and Qingdao 6 provinces and cities. The pilot will be launched in May. According to the result of this pilot, then spread to the whole country. On April 1, 2015 the insurance companies are permitted to declare the commercial terms of car insurance rates.The article main for car insurance rate market reform influence on insurance industry related subject, and what strategies of insurance companies and regulators will be take. The article main research methods were literature method and comparative method. By comparing and summarizing, we analyzed the influence on the insurance industry related subject. On basis it, then put forward the corresponding measures to insurance company and regulator.The author thinks that :Though we face many trouble in last premium rate market reform. With the deeping of the car insurance rate market reform. Constantly improving of the reform of the system. Reform will achieve the desired effect. But, the insurance company must be a positive response. With specific response, no blind optimistic, and no blind pessimistic. The insurance companies could achieve a smooth transition.The main contribution of the paper: The paper consults a large number of relevant materials and data. Analysis and discuss of it. The paper summarized the influence of car insurance rate market reform. Creative studied the situation of regulators. On the basis of argument. For insurance companies and regulators put forward corresponding strategies: On the one hand, due to the lack of relevant data and related statistical data,...