中国银保监会关于《关于实施车险综合改革的指导意见（征求意见稿）》公开征求意见的通知(8)
<P style="LINE-HEIGHT: 32pt; TEXT-INDENT: 36pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="FONT-FAMILY: '仿宋_GB2312','serif'; FONT-SIZE: 18pt"><FONT color=#000000>支持行业制定新能源车险、驾乘人员意外险、机动车延长保修险示范条款，探索在新能源汽车和具备条件的传统汽车中开发机动车里程保险（<SPAN lang=EN-US>UBI</SPAN>）等创新产品，制定包括代送检、道路救援、代驾服务、安全检测等车险增值服务险的示范条款，为消费者提供更加规范和丰富的车险保障服务。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P style="LINE-HEIGHT: 32pt; TEXT-INDENT: 36pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly; mso-outline-level: 1; mso-char-indent-count: 2.0" class=MsoNormal><FONT color=#000000><SPAN style="FONT-FAMILY: 黑体; FONT-SIZE: 18pt">四、健全商车险条款费率市场化形成机制</SPAN><SPAN style="FONT-FAMILY: '仿宋_GB2312','serif'; FONT-SIZE: 18pt; mso-fareast-font-family: 黑体" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 32pt; TEXT-INDENT: 36pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="FONT-FAMILY: 楷体_GB2312; FONT-SIZE: 18pt"><FONT face="Times New Roman"><FONT color=#000000>（十）完善行业纯风险保费测算机制<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P style="LINE-HEIGHT: 32pt; TEXT-INDENT: 36pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="FONT-FAMILY: '仿宋_GB2312','serif'; FONT-SIZE: 18pt"><FONT color=#000000>支持行业根据市场实际风险情况，重新测算商车险行业纯风险保费，建立每<SPAN lang=EN-US>2</SPAN>－<SPAN lang=EN-US>3</SPAN>年调整一次的商车险行业纯风险保费测算的常态化机制。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P style="LINE-HEIGHT: 32pt; TEXT-INDENT: 36pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly; mso-char-indent-count: 2.0; mso-list: l0 level1 lfo3" class=MsoNormal><FONT face="Times New Roman"><FONT color=#000000><SPAN style="FONT-SIZE: 18pt; mso-bidi-font-family: 楷体_GB2312; mso-fareast-font-family: 楷体_GB2312" lang=EN-US><SPAN style="mso-list: Ignore">（十一）</SPAN></SPAN><SPAN style="FONT-FAMILY: 楷体_GB2312; FONT-SIZE: 18pt">合理下调附加费用率<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P style="LINE-HEIGHT: 32pt; TEXT-INDENT: 36pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="FONT-FAMILY: '仿宋_GB2312','serif'; FONT-SIZE: 18pt"><FONT color=#000000>引导行业将商车险产品设定附加费用率的上限由<SPAN lang=EN-US>35</SPAN>％下调为<SPAN lang=EN-US>25%</SPAN>，预期赔付率由<SPAN lang=EN-US>65</SPAN>％提高到<SPAN lang=EN-US>75%</SPAN>。适时支持财险公司报批报备附加费用率上限低于<SPAN lang=EN-US>25%</SPAN>的网销、电销等渠道的商车险产品。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>


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