| 我国保险费率目标区管理刍议 |
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| 引用本文： | 曾召友.我国保险费率目标区管理刍议[J].成都大学学报(自然科学版),2004,23(1):51-55. |
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| 作者姓名： | 曾召友 |
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| 作者单位： | 西南财经大学,成都,610074 |
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| 摘 要： | 保险费率是保险供给和保险需求之间的交易价格 ,它是保险经济的杠杆之一 ,对保险市场产生重大影响 保险费率的形成机制主要有两种 :一是政府制定 ;二是市场化形成 然而 ,这两种费率形成机制各有利弊 ,因而现实的选择应该是兼具两者优点的费率目标区管理 在此管理方式下形成的费率既适应了社会主义市场经济条件下保险费率客观上要求有一定的波动空间 ,又不至于出现剧烈波动 ,产生“价格自杀” ,使保险实际费率成为合理公平的费率 ,从而促进保险业的健康发展
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| 关 键 词： | 保险费率 政府制定 市场化形成 费率目标区 |
| 文章编号： | 1004-5422(2004)01-0051-0055 |
On Management the Targe Area of Iusurance Premium Rate of China |
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| ZENG Zhaoyou.On Management the Targe Area of Iusurance Premium Rate of China[J].Journal of Chengdu University (Natural Science),2004,23(1):51-55. |
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| Authors: | ZENG Zhaoyou |
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| Abstract: | The insurance premium rate one of the levers of insurance economy is the transaction price between insurance supply and insurance demand which influences the insurance market deeply.Government formulating and forming through market are two main form mechanisms of insurance premium rate.However there are advantages and disadvantages of the two mechanisms.Managing the target area of premium rate which has advantages of both mechanisms is a practical choice.The premium rate forming under such management. both has a space of fluctuation which meets the objective needs of insurance premium rate under the conditions of the socialist market economy and avoids fluctuating too greatly to lead ”price suicide”.In this way,the actual insurance premium rate becomes the rational and fair one which makes the insurance economy develop healthly. |
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| Keywords: | insurance premium rate government formulate form through market the target area of premium rate |
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