摘要
合理定价是保险经营的必要前提,而我国现行费率体制并未充分考虑到保证保险风险性质的特殊性和费率厘定的复杂性,这也成为我国保证保险市场费率不合理的制度根源。借鉴美国经验,改革现行费率体制,构建专业化的保证保险费率厘定和咨询机构,是推动我国保证保险市场费率走向合理化的必要途径。
Fair pricing is a prerequisite for successful insurance running, but the current premium rating system doesn＇t thoroughly consider the special risk properties and the complexity in the pricing of surety bonds, resulting fundamentally in the unfairness of the market premium. Using the successful experience of USA for reference, we should reform current premium rating system to establish a highly specialized premium rating and advisory body as a necessary way to actuate the fairness of surety bonds premium rate in China.
出处
《上海金融》
CSSCI
北大核心
2009年第5期24-27,共4页
Shanghai Finance
基金
河南省教育厅人文社会科学研究项目"我国保证保险制度研究"(批准号2008-QN-003)
河南省教育科学"十一五"规划项目"保证保险机制在高校贫困生助学贷款风险防范中的应用研究"(批准号2008-JKGHAGH-226)的阶段性成果
关键词
保证保险
费率厘定
美国忠诚与保证协会
Surety Insurance
Premium Rating
The Surety ＆ Fidelity Association of America
