新华社北京８月１０日电（记者吴雨、王文帅）中国保险行业协会１０日公布，２０１１年交强险经营亏损达９２亿元，经营亏损率达１０．１％。经营５年半以来，交强险累计经营亏损达１７３亿元。未来保险业应如何应对交强险的亏损压力？专家认为，要想扭转亏损的局面，根源在于转变经营模式，细化完善费率形成机制。

    Beijing August 10 (Reuters)（Reporter WuYu、WangWenShuai）China insurance industry association released 10,，2011 years of operating losses of 9.2 billion yuan dealing，Business loss rate is 10.1%。Five and a half years operation，The place accumulative total operating losses of 17.3 billion yuan。Insurance should be how to deal with future place of pressure loss？Experts say，To reverse losses，Root is that changing management mode，Refining perfect rate formation mechanism。

    中保协公布的数据显示，２０１１年交强险承保亏损１１２亿元，比２０１０年增加近１５亿元，仍未抑制住连续亏损的态势。

    In BaoXie figures show，Insurance covers 2011 losses of 11.2 billion yuan，More than 2010 years to add nearly 1.5 billion yuan，Still not restrain continuous loss of momentum。

    中保协交强险工作组专家陈东辉表示，由于保险业规模不断增大、综合承保率上升等因素影响，亏损额持续大幅上升。

    In dealing BaoXie working group experts ChenDongHui said，Due to the scale of the insurance industry growing larger、Comprehensive accept insurance rate rose and other factors，Loss continued to rise sharply。

    数据显示，２０１１年交强险共承保机动车辆１．１４亿辆，保险责任已到期保费９１４亿元，未到期保费增加６９亿元。汽车投保率从２００５年末的５８％提高到２０１１年的８１％，２０１１年汽车类保费收入同比增长１８％。

    Data shows，2011 years of motor vehicle insurance cover 114 million cars，Insurance liability expired insurance cost 91.4 billion yuan，Did not expire premium increase of 6.9 billion yuan。Auto insurance rate from the end of 2005 to 58% in 2011，2011 years of car of the premium income year-on-year growth of 18%。

    在交强险规模增大的同时，各家保险公司经营费用率正逐年下降并趋于稳定，力争以最小成本发挥最大保障功能的目的。

    The place in the increase of scale at the same time，His insurance company management fee has fallen year and be more stable，With the minimum cost to maximize the purpose of safeguard function。

    数据显示，２０１１年经营费用为２７７亿元，费用率从２００７年３９．２％降至２０１１年３０．４％，这一比率低于商业车险３．６个百分点。

    Data shows，2011 management cost is 27.7 billion yuan，Rate tumbled from 39.2% in 2007 to 30.4% in 2011，The rate below 3.6% commercial car insurance。

    “但这些并没有力挽狂澜，目前执行的交强险费率已经整体不足以覆盖交强险的赔付及经营成本，在一些车种及地区表现得尤为突出。”陈东辉说。

    “But these and no thanks，The execution of the current insurance rate already whole do not cover the compensation and insurance business cost，In some type and area was particularly outstanding。”ChenDongHui said。

    数据显示，营业客车、营业货车、拖拉机等车种严重亏损，２０１１年亏损合计７３亿元。综合成本最高的是浙江，达到１４３％；上海、安徽等地则徘徊在１３８％左右。众所周知，综合成本率高于１００％即意味着承保亏损。

    Data shows，Business coach、Business van、B. tractor wait heavy losses，2011 losses amounted to RMB 7.3 billion。The comprehensive cost is the highest zhejiang，143%；Shanghai、Anhui province is to around 138% or so。As is known to all，The comprehensive cost rate is higher than 100% means that accept insurance losses。

    “全国多个地区已经逐渐取消城乡差异，这将进一步推高赔偿标准。加之，费率下调及费率浮动办法影响，医疗费用、维修工时及零配件价格上涨，今后交强险亏损压力将进一步增大。”陈东辉说。

    “The national multiple areas have cancelled gradually urban and rural differences，This will further push the high compensation standards。and，Rate cuts and floating rate to influence，Medical expenses、Maintenance working hours and spare parts prices，Future losses will further increase the place pressure。”ChenDongHui said。

    北京工商大学保险系教授王绪瑾认为，我国交强险亏损的根源还是目前经营模式不够明确，“前端政府定价，后端市场经营”，这使得市场经营主体地位不明，政府、企业、监管机构的责任义务界定不清，保险公司难以做到“不盈利不亏损”。

    Beijing industry and commerce university professor of insurance WangXuJin think，Insurance in our country at present the root cause of the loss or business model were unclear，“Front government pricing，The after the market operation”，This makes the market management subject status is unknown，The government、enterprise、Regulators duty that define clearly，The insurance company to do it“A profitable business”。

    “交强险亏损对于投保人来说可能是好事，但对于整个保险业来说未必有利。”陈东辉说。

    “Insurance losses for policy-holder is probably good，But it is not necessarily beneficial for the whole of the insurance industry。”ChenDongHui said。

    在亏损面前，不少保险公司希望调整交强险保费，以应对时刻变化的成本压力。对此，陈东辉表示，对于交强险并不应该简单要求“涨价”，而是应细化完善费率调整机制，明确调整费率流程。“比如，达到什么条件触发调整机制，亏损到多少，可将赔付提高多少，这需要有合理机制进行规定。”

    Before the loss，Many insurance companies want to adjust the insurance premium，In response to the cost of time pressure changes。this，ChenDongHui said，The place is not should be simple to requirements“prices”，But should be refined perfect rate adjustment system，Clear rate adjustment process。“For example，To achieve what condition triggered adjustment mechanism，Losses to how many，But will compensate pays how much better，It needs to have a reasonable mechanism of regulation。”

    王绪瑾表示，根据我国保险市场现状，对交强险保费调整要更为审慎，可适时采取减免交强险营业税，对经营货车、拖拉机等高成本、高赔付车种给予一定补贴等措施。

    WangXuJin said，According to China's present situation of the insurance market，Insurance premium to adjust to more prudent，Adopting the business tax cuts can be the place，For the operation of van、Tractor cost etc、High compensation b. give certain subsidies and other measures。

    即便交强险连年亏损，但这并不能阻挡外资保险公司积极介入我国交强险的步伐。因为只有具备了销售交强险的资格，才能真正进入车险市场。不少保险公司也明白，尽管交强险是亏的，但与商业车险捆绑起来，实际上保险公司是赚钱的。

    Even if the place years of losses，But this does not protect against a foreign insurance company actively involved in our country the pace of the place。Because, only to have the place of sales qualification，To really get into car insurance market。Many insurance companies also understand，Although the place is a deficit，But with the commercial insurance strapped up，In fact the insurance company is to make money。

    中保协透露，自从５月１日，修订后的《机动车交通事故责任强制保险条例》允许外资保险经营交强险业务，已经有多家外资机构都向保监会提供了产品报备等申请，目前监管层还在审批中。

    BaoXie revealed in，Since the May 1,，revised《Compulsory motor vehicle liability insurance regulations》Let foreign insurance business and insurance business，Have several foreign institutions to provide the products by the report for application, etc，At present regulatory still in progress。

    王绪瑾认为，交强险对外开放，在带来先进的管理经验、技术的同时，将推动我国车险市场服务升级，投保人也将面临更多的选择，一举多得。

    WangXuJin think，Opening up the place，Bring in the advanced management experience、Technology and，Will drive our car insurance market service to upgrade，Policy-holder will face more choice，Fully staffed。