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保险费率是保险商品的价格。由于我国保险市场发育不很成熟,市场的自发调节机制尚未建立起来,经营管理还处于粗放型阶段,加上保险费率的确定是建立在运用数理统计和大数法则方法对过去数据进行推算基础之上,使保险费率的确定增加了难度和不确定性。因此,我国长期以来对保险费率实行管制政策,保险商品的价格一直采取了具有行政色彩的统一定价方式,费率监管属于完全垄断型模式。这种方式由于缺乏灵活性和针对性,使费率与市场严重背
The premium rate is the price of the insurance product. As China’s insurance market development is not very mature, the market’s spontaneous regulation mechanism has not been established, the management is still in a rough stage, plus the insurance premium rate is based on the use of mathematical statistics and the law of large numbers to calculate the basis of the past data On the above, the definition of premium rate increased the difficulty and uncertainty. Therefore, our country has long implemented a control policy on insurance premium rates. The price of insurance products has always taken a uniform pricing mode with administrative color. Rate regulation is a complete monopoly. In this way, due to lack of flexibility and pertinence, the rate and the market are serious