“历次商业车险条款费率改革无不充斥着制度建构者对市场化的期许与担忧,而改革的成败通常取决于对市场化限度的把握,即能否妥善处理政府与市场之间的关系,能否有效协调保险人的营利性与消费者权益保护之间的冲突。”市场化犹如潘多拉的魔盒,在带来效率与形式公平的同时可能会耗损秩序、安全以及实质公平。对市场进行监管或限制,则往 “The previous commercial auto insurance terms and conditions of the rate reform are all filled with system builders expectations and concerns about the market, and the success or failure of the reform usually depends on the grasp of the market-oriented limits, that is, can properly handle the relationship between the government and the market, Conflicts between the insurer’s profitability and the protection of consumer rights can be effectively coordinated. ”Marketization is like a Pandora’s box, which can be detrimental to order, security and material fairness in the interest of efficiency and fairness. Market regulation or restrictions, then