Picc Sichuan Province To Participate In The Study Of Industry Self-regulation

The fee rate reform of motor vehicle insurance from 2003 indicated a milestone in the course of motor vehicle insurance development. In the beginning of reform, the malignant price competing not only influenced the development of insurance market, but had a serious impact on the PICC Sichuan branch as well. In this instance, the PICC Sichuan branch and other insurance companies initiated and organized the Self-discipline movement. With the development of Self-discipline movement, it eased the tension of the malignant price competing to a certain extent, advanced the average premium of motor vehicle insurance and improved the profit.In the first instance, this paper introduced the fee rate reform state of several typical countries, then reviewed the course of domestic motor vehicle insurance fee rate reform, analyzed the significance and problems, and also introduced the PICC Sichuan branch's fee rate reform.Next, this paper introduced the origin of insurance Self-discipline theory and the development of the development of Self-discipline movement, and then introduced the status of the domestic insurance Self-discipline and the running of the SIA. This part that elaborated the Game Theory in motor vehicle insurance Self-discipline is the emphases of the paper.Finally, with madding the general analysis based on all kinds of factors, this paper put forward the related strategy suggestions on how to enhance the government administrating, better the circumstance and improve the actuality of domestic insurance Self-discipline. It looked forward to providing good ideas for the PICC Sichuan branch to obtain more benefits of participating the insurance Self-discipline, and improving the domestic insurance company's motor vehicle insurance business.