关键词: 交强险, 利润, 保险费率, 奖惩系统

Abstract: Compulsory auto insurance in China has got a lot of attention since it was in force on July 1 of 2006. The discussion about its premium rate is continuing. Using the dada from the financial report on compulsory auto insurance in the first business year, this paper analyzes the profit of different companies and different regions, points out the main problems in the present premium structure, that is, the premium rate is not fair for different regions and for different kinds of autos, and the Bonus-Malus system also needs to be modified. At the end of the paper, some suggestions are given for improving the present premium structure of compulsory auto insurance in China.

Key words: Compulsory auto insurance, Profit, Premium rate, Bonus-Malus system