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以前,监管当局对车险市场实行严格管制,统一条款、统一费率,意在保护公众利益,禁止价格竞争,但变相的恶性价格竞争一直存在。对代理人支付高手续费,对客户高返还保费等违规行为早已是业界公开的秘密。保监会针对车险市场的混乱局面曾多次开展“专项整顿”,都收效甚微,违规行为屡禁不止。原因何在?第一,除深圳市场外,车险产品(条款)全国统一,价格(费率)统一,产品具有高度无差异性,而且统一制订的价格偏高,远高于风险费率。第二,车
Previously, the supervisory authorities imposed strict controls on the auto insurance market with uniform terms and uniform tariffs aimed at protecting the public interest and prohibiting price competition. However, vicious price competition in disguise has always existed. Expenses to pay high agent fees, high return on customers and other violations has long been the industry’s public secrets. CIRC has repeatedly conducted “special rectification” for the turmoil in auto insurance market with little success and repeated violations. First, in addition to the Shenzhen market, auto insurance products (terms) of the national unity, the price (rate) uniform, the product has a high degree of non-variability, and the unified formulation of the price is high, much higher than the risk rate. Second, the car