美国强制车险费率制度的特点及其启示——以马萨诸塞州为例

我国交强险实施一年多来社会效益显著，但费率的合理性问题也成为公众关注的焦点之一。本文围绕马萨诸塞州强制车险几十年来的运作实践，深入分析其费率“不过高也不过低”的监管机制，得出费率精算的细化与微调以及允许费率下浮和费率听证的一系列具体做法值得我们借鉴。

Characteristics of System of American Compulsory Vehicle Insurance Rate and Its Enlightenment——An Example from Massachusetts

Our country has taken compulsory vehicle insurance into effect for more than one year. Though it has significant social effect, its insurance rate is still the focus. The article introduces the decades of operation of compulsory vehicle insurance in Massachusetts and analyses its supervision mechanism which produces moderate rate. By that, we can draw the conclusion that refinement of actuary rate, permission of down- regulation of rate and rate hearing will be worth learning.