每經(jing)編輯(ji)｜每經(jing)記者(zhe) 黃俊玲    

每經記者 黃俊玲 發自北京

今日(ri)（6月1日(ri)）起，各財產保(bao)險公(gong)司在黑龍江、山(shan)東、廣西(xi)、重慶(qing)、陜西(xi)和青(qing)島等6個試點地區全面啟用新版商業車(che)險條款(kuan)費率(lv)。這標志著，商業車(che)險改(gai)革試點全面落地實施(shi)。同時，保(bao)監會今日(ri)表(biao)示(shi)，適(shi)時將商業車(che)險改(gai)革推向全國。

據了(le)解，此前，保監會已經完成對試點(dian)地區(qu)財產保險公司新(xin)(xin)版(ban)商業車險產品(pin)的審批工(gong)作，試點(dian)地區(qu)保監局已對當地財產保險機(ji)構相(xiang)關(guan)制度建設、系統改造、人(ren)員培訓、單證更(geng)換(huan)等工(gong)作進(jin)行了(le)驗收和(he)指導，商業車險改革試點(dian)前期準備(bei)充分、新(xin)(xin)舊(jiu)產品(pin)切(qie)換(huan)順利(li)。

保(bao)(bao)監(jian)會介紹，商(shang)業(ye)車(che)(che)(che)險(xian)(xian)(xian)(xian)(xian)改(gai)革(ge)建立了以行(xing)業(ye)示范(fan)條(tiao)款(kuan)(kuan)為(wei)(wei)主(zhu)、公(gong)(gong)司創(chuang)新型(xing)條(tiao)款(kuan)(kuan)為(wei)(wei)輔的(de)條(tiao)款(kuan)(kuan)管(guan)理(li)制度和市(shi)場(chang)(chang)化的(de)費(fei)率(lv)形成機制，消(xiao)費(fei)者(zhe)的(de)商(shang)業(ye)車(che)(che)(che)險(xian)(xian)(xian)(xian)(xian)產(chan)品選(xuan)擇權將得到更充分尊(zun)重，保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司商(shang)業(ye)車(che)(che)(che)險(xian)(xian)(xian)(xian)(xian)費(fei)率(lv)厘定自(zi)主(zhu)權將逐(zhu)步(bu)擴大。改(gai)革(ge)后，商(shang)業(ye)車(che)(che)(che)險(xian)(xian)(xian)(xian)(xian)保(bao)(bao)障范(fan)圍(wei)將進(jin)一(yi)步(bu)拓(tuo)寬，更好地保(bao)(bao)障和服(fu)務民生(sheng)；商(shang)業(ye)車(che)(che)(che)險(xian)(xian)(xian)(xian)(xian)產(chan)品供(gong)給將更為(wei)(wei)豐富(fu)，擴大消(xiao)費(fei)者(zhe)選(xuan)擇權；商(shang)業(ye)車(che)(che)(che)險(xian)(xian)(xian)(xian)(xian)費(fei)率(lv)水平(ping)總(zong)體保(bao)(bao)持平(ping)穩，但費(fei)率(lv)與(yu)風(feng)險(xian)(xian)(xian)(xian)(xian)更加匹配，眾多低(di)風(feng)險(xian)(xian)(xian)(xian)(xian)車(che)(che)(che)主(zhu)將享受更低(di)的(de)車(che)(che)(che)險(xian)(xian)(xian)(xian)(xian)保(bao)(bao)費(fei)。改(gai)革(ge)將促進(jin)財險(xian)(xian)(xian)(xian)(xian)行(xing)業(ye)轉(zhuan)型(xing)升(sheng)級，進(jin)一(yi)步(bu)激(ji)發市(shi)場(chang)(chang)活力(li)，優化市(shi)場(chang)(chang)結構，引(yin)導財產(chan)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司轉(zhuan)變競爭(zheng)模式和發展方式。改(gai)革(ge)還有(you)利(li)于發揮車(che)(che)(che)險(xian)(xian)(xian)(xian)(xian)社會管(guan)理(li)功能，促進(jin)汽車(che)(che)(che)廠家不(bu)斷提(ti)升(sheng)車(che)(che)(che)輛(liang)的(de)安(an)全(quan)性和易維修性，促使交通參與(yu)各方共同(tong)提(ti)高道路交通安(an)全(quan)水平(ping)。