论我国保险费率市场化

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7、________________________________________________________________《全国人民代表大会常务委员会关于修改〈中华人民共和国保险法〉的决定》（以下简称《决定》）于2002年10月底获准通过，酝酿了近两年的《保险法》修改工作终于告一段落。《决定》对保险条款和费率的管理制度进行了重大修改，规定保险公司可以自行确定保险费率和条款，但要经保险监督管理机构审批或备案。这是我国保险费率市场化的一个重大突破，标志着我国保险费率