《保险研究》20251104-《中国车险条款费率形成机制改革：历程、逻辑与反思》（何小伟、刘怡鑫、葛梦雅、亢子扬）

［摘   要］车险条款费率形成机制改革是近些年我国保险业改革发展的重要任务之一，对更好地发挥市场机制作用、规范车险市场秩序、保护消费者权益具有重要意义。本文立足于我国车险条款费率形成机制改革的背景与依据，对车险条款费率形成机制改革历程进行了系统回顾,然后从改革动力、改革目标、改革方式、改革策略、改革配套五个维度归纳了车险条款费率形成机制改革的演进逻辑，并进一步探究了我国车险恶性竞争频发的深层原因。研究发现：我国车险条款费率形成机制改革可分为四个阶段，总体呈螺旋上升之势；改革的演进逻辑比较清晰，且表现出越来越强的历史自觉性；车险市场频繁发生恶性价格竞争的成因较为复杂，是车险产品标准化、理赔特征、销售渠道、公司治理机制、外部监管制度、市场集中度等多种因素共同作用的结果。反思车险条款费率形成机制改革的历程与逻辑，对推进我国保险业高质量发展具有启示意义。

［关键词］车险；条款和费率；形成机制改革；历程回顾；演进逻辑

［基金项目］教育部人文社科规划基金项目：费率市场化、监管约束与保险公司的风险承担研究（21YJA790020）。

［作者简介］何小伟，对外经济贸易大学保险学院教授，研究方向：保险市场与监管、保险与社会治理；刘怡鑫（通讯作者）,南开大学南开-泰康保险与精算研究院博士研究生；葛梦雅，中国人民大学农业与农村发展学院博士研究生，研究方向：政策性保险理论与实践；亢子扬，对外经济贸易大学保险学院硕士研究生。

The Reform of the Auto Insurance Terms and Rates Formation Mechanism in China:Process,Logic and Reflection

HE Xiao-wei,LIU Yi-xin,GE Meng-ya,KANG Zi-yang

Abstract：The reform of the auto insurance terms and rates formation mechanism has been one of the key tasks in the reform and development of China’s insurance industry in recent years.It is of great significance for better playing the role of market mechanisms,regulating the order of the auto insurance market,and protecting consumer rights and interests.This article reviews the process of the reform of the formation mechanism of auto insurance terms and rates,and then summarizes the evolution logic of the reform from five dimensions:reform motivation,reform goals,reform methods,reform strategies,and reform supporting measures.It further explores the underlying reasons for the frequent occurrence of vicious competition in auto insurance in China.The research has found that the reform of the formation mechanism of auto insurance terms and rates in China can be divided into four stages,showing an overall trend of spiral upward development.The reform presents a relatively clear evolutionary logic and demonstrates an increasingly strong historical consciousness.The causes of frequent vicious price competition in the auto insurance market are rather complex,which are the combined effects of various factors such as the standardization of auto insurance products,claim settlement characteristics,sales channels,corporate governance mechanisms,external regulatory systems,and market concentration.The reflection on the process and logic of the reform of the formation mechanism of auto insurance clauses and premium rates has enlightenment significance for promoting the high-quality development of China’s insurance industry.

Key words：auto insurance;terms and rates;reform of formation mechanism;historical review;evolution logic