Influence And Countermeasures Of Market-oriented Reform Of Vehicle Insurance Rate

February 3,2015,and China Insurance Regulatory Commission issued on deepening the reform of commercial terms of auto insurance rate management system guidelines.It can be said to be the rate for the nationwide market officially kicked off.The Insurance reform including five aspects,such as the guiding ideology、basic principles and the main target、 establish and improve the auto insurance clause formation mechanism、establish and improve the auto insurance rate formation mechanism、strengthen and improve commercial terms of insurance rate regulation,do a good job to organize the implementation.The purpose of auto insurance fee reform is to further increase the market dynamics of auto insurance pricing.At the same time,ensure the income of insurance company,to ensure customer satisfaction,maintain the balance of the car insurance market,maintaining social balance.Ultimately achieve healthy life,green travel.The article first introduces the market background of auto insurance reform.And then analyze the problems of the process of foreign auto insurance reform,and draw lessons from China’s auto insurance reform.Review the process of China’s auto insurance reform,describe the steps and effects of the reforms at all stages of the reform process.And from the contents of the reform and the effect of the pilot to cut into,focusing on the Commercial auto insurance rate management system reform.Finally,by analyzing the impact of auto insurance reform,such as small claims show a downward trend,a new pattern of channel development,further concentration of market share,improve service awareness and so on,the insurance companies should improve the service consciousness actively,optimization and upgrading auto insurance products,combined with its own advantages in auto aftermarket.