交强险运营模式探讨及兼论不盈利不亏损原则

交强险制度实施以来,在对受害人损害的救济等方面产生了良好的效果,但有关它的争议也一直未曾停止过。我国现行交强险运营模式的扭曲和混乱是产生诸多问题的源头,应该转变现有交强险运营模式,建立交强险的商业运营模式,理顺相关主体的权利、义务和责任。在商业运营模式的背景下,应当继续坚持政府不盈利不亏损,而保险公司在总体保持低利润的前提下自主经营,自负盈亏原则。并且全面引入竞争机制,有利于保险公司与消费者利益的共赢,有利于保障公众利益、实现公益性目标。

On the Operation Mode of Motor Vehicle Accident Liability Compulsory Insurance and the Principle of No Gain and No Loss

Since the implementation of motor vehicle accident liability compulsory insurance,it has produced good results in relieving the suffering of the victims.But disputes on the insurance have never stopped.The origin of the controversy comes from the distorted and disordered operation mode.Therefore,it is inevitable to change the operation mode,establish business operation mode,and adjust the right,obligation and responsibility of the relevant subject.Based on the business operation mode,we should stick to the principle of no gain and no loss by the government,while keeping low profit by the insurance company under the precondition of self-management,self-responsibility for profit and lose.The competition system should also be introduced in order to guarantee the mutual benefit of insurance company and custom and protect the public welfare.