论机动车辆保险费率市场化营销模式的创新

机动车辆保险（以下简称车险）作为我国保险业的龙头及窗口险种，对财产险行业乃至整个保险行业都有极为重要的影响。因此，多年来车险条款及费率由监管部门制定，2007年部分条款由保险行业协会牵头制定，并在其严格管束下在全国实施。但是，伴随我国市场经济体制的完全确立，费率市场化的改革已经开始。本文在分析车险市场化改革对各市场主体产生的巨大影响，提出了各市场主体应对这一变革的基本对策和市场行为。

A Discussion on the Business Model Innovation of Motor Vehicle Insurance Rate During the Market Reform

Motor vehicle insurance （hereinafter referred to as auto insurance）, as a leader and a window of Chings insurance industry, has great influence on property insurance sector and the insurance industry as a whole. As a result, over the years, auto insurance terms and rates are set by the regulatory authori- ties. In 2007 some provisions were developed by the insurance industry associations and implemented in the country under strict government scrutiny. However, as China＇s market economic system gradually estab- lished, the reforms on the market--controlled rate have begun. This article provided the fundamental strat- egies for the industry participants upon analyzing significant impact on these players from the auto insur- ance market reform.