中文摘要：

交强险白2006年7月1日实施以来，引起了社会各界的广泛关注，尤其是对交强险费率的讨论，一直没有间断。本文应用交强险第一个业务年度的财务数据，对交强险在各个地区和各个保险公司的经营结果进行了分析，指出了交强险费率结构存在的主要问题，即保险费率在不同地区和不同车辆类型之间不够公平，费率浮动办法尚存缺陷，并借鉴发达国家汽车强制保险的经验，提出了完善我国交强险费率结构的建议。

英文摘要：

Compulsory auto insurance in China has got a lot of attention since it was in force on July 1 of 2006. The discussion about its premium rate is continuing. Using the dada from the financial report on compulsory auto insurance in the first business year, this paper analyzes the profit of different companies and different regions, points out the main problems in the present premium structure, that is, the premium rate is not fair for different regions and for different kinds of autos, and the Bonus-Malus system also needs to be modified. At the end of the paper, some suggestions are given for improving the present premium structure of compulsory auto insurance in China.