保险业监管层在加紧完善相关制度规则的同时,也在创造一个有助于费率市场化的宏观政策环境。监管层正在酝酿出台《财产保险公司条款费率管理办法》、《非寿险监管手册》及《车险定价准则》等多部法规。近两年,由于私人汽车消费市场的火爆,绝大多数保险公司片面追求业务规模,在车险业务上出现了普遍亏损,同时为挽回损 While supervising and improving relevant rules and regulations, insurance regulatory authorities are also creating a macro-policy environment conducive to market-based tariffs. Regulators are preparing the introduction of “property insurance company clause rate management approach”, “non-life insurance regulatory manual” and “auto insurance pricing guidelines” and other laws and regulations. In recent two years, due to the hot private car consumer market, the overwhelming majority of insurers have been pursuing one-sided scale of operations and have suffered widespread losses in the auto insurance business. Meanwhile,