实行严格费率监管 ,不利于保险公司市场竞争层次的提升和核心竞争力的培育。合理的保险费率应具备保险资源优化配置、市场激励和市场约束功能。加快保险费率市场化 ,面临内、外部环境压力。要努力为实施费率市场化 ,培育中资保险公司的竞争力创造各种条件 ,如发挥保险行业协会在费率市场化过程中的重要作用 ;完善市场主体行为理性化所依赖的环境 ;加强新产品开发 ,提高保险服务质量 ;建立起高效、完善、可行的市场化费率定价和管理机制 ;转变监管方式 ,加强对保险公司偿付能力的监管 ;进行最大程度的市场信息披露 ;发展保险经纪市场 ,降低保险交易的成本 ;建立健全保险公司自身的风险控制系统 ;拓宽保险资金运用渠道 ,提高投资绩效 ;加强对建立剩余保险市场的研究。 The implementation of strict tariff regulation is not conducive to the insurance companies to enhance the level of market competition and the cultivation of core competitiveness. Reasonable premium rates should have the optimal allocation of insurance resources, market incentives and market constraints. Accelerate the market-oriented insurance premiums, facing internal and external environmental pressures. Efforts should be made to create various conditions for the marketization of rates and fostering the competitiveness of Chinese insurance companies, such as playing an important role for the insurance industry associations in marketization of rates; perfecting the environment on which market actors act rationally; and strengthening Develop new products and improve the quality of insurance services; set up efficient, sound and feasible market-based pricing and management mechanisms; change the mode of supervision, strengthen the supervision over the solvency of insurance companies; conduct the disclosure of market information to the maximum extent; and develop insurance brokers Market, reduce the cost of insurance transactions; establish and improve the insurance company’s own risk control system; broaden the use of insurance funds to improve investment performance; strengthen the study of the establishment of the remaining insurance market.