目前，我国大多学者在运用效用函数确定保险费率时，都以投保人全额投保和保险人全额赔付为前提推出保险费率的定价区间。
Nowadays, all articles which apply the utility theory to determine the premium rates give priority to the fully insured and full payment in order to get the price range of premium rate.
因此，汽车保险费率是如何确定的？
生育保险费率如何确定？
生育保险费率如何确定？
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