In order to protect the public interest and maintaining the insurance system's security and stability, and promote the healthy development of the insurance industry, it is necessary for the insurance rate regulation. From a global perspective, the insurance rate regulation to market discipline can be divided into the loose-led model, the government regulatory body dominated by strict, and a combination of the two-mode hybrid model. At present, China's insurance rates for terms of the formulation and implementation process to varying degrees, similar to existing products, product marketability of the poor, not enough of the popular articles, product pricing unreasonable, arbitrary terms of the implementation of rates, and other issues. Therefore, we must encourage product innovation, enhance the innovative power of insurance products; increase the intensity of the regulatory solvency, the suppression of irrational price competition, strengthening the building of the insurance industry associations to improve the company's product design support to: strengthen the insurance surcharge rates Regulatory control, curb high-fee, high-paste fees; enhance product information disclosure and give full play to the role of market mechanisms.
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