浅析保险中介市场的发展状况及其监管.docVIP

浅析保险中介市场的发展状况及其监管 摘 要：保险中介决定保险业的发展与繁荣，保险中介市场是保险产业链条中的重要平台。我国保险中介市场作为保险业发展的关键，尚未市场化的保险中介的市场机遇和挑战并存，目前保险代理中介管理不完善、保险中介高素质人才匮乏、社会的认可程度低、专业保险中介机构经营空间狭小等诸多因素限制了保险中介市场的发展，有必要加强保险中介监管， 关键词：保险中介市场；保险中介；保险监管On the development of the insurance intermediary market and regulatory Abstract: The insurance intermediary determines the development and prosperity of the insurance industry, meanwhile, the insurance intermediary markets as platform play an important role in the insurance industry chain. The insurance intermediary market as the key to the development of the insurance industry has not been marketing, in which opportunities and challenges exist. At present there are a varity of elements, such as the incomplete management, the lack of high quality talents, the lower social approval, the narrow business space etc. in insurance intermediary services, limiting the development of the insurance intermediary market. So it is essential to strengthen supervision of insurance intermediary services, and promote the insurance regulatory classification of professional intermediaries. In the paper, first of all, according to related the data we will analyze current insurance intermediary market, and then find out the problems existed in market and challenge it face. Finally, it will conclude that we should strengthen supervision, even come up with some own effective suggestions. Key words:The insurance intermediary market；insurance intermediation；insurance supervision现代市场经济是以金融为核心运行和发展的，而在现代金融体系中，保险业占有举足轻重的地位。在现代经济条件下，发展与代价，风险与保险是相伴发生的。要降低发展的代价和风险，就必须要健全保险机制，以此来分解风险，降低各经济主体的风险压力，增加发展的稳定性。随着我国经济体制改革的不断深入和我国进一步扩大对外开放，我国的经济将融入全球经济一体化之中，中国保险市场必将成为世界保险市场的重要组成部分。而发展我国保险中介产业，是建立一个真正符合市场经济要求的、与国际惯例接轨的、完善成熟的中国保险市场的一项重要任务。 保险中介是保险市场不可或缺的重要组成部分，是保险市场社会化分工的必然结果。保险中介的参与大大提高了保险市场的运行效率，促进了保险市场的和谐高效运行。在市场化程度较高的发达国家的保险市场上，保险公司主要从事产品开发、核保核赔等核心业务的经营，而将产品的销售、承保、售后服务交由保险经纪公司或保险代理公司办理，将理赔案件中的估损及理算外包给保险公估人办理。保险中介桥梁作用，促进保险公司和客户关系和谐稳定；发挥专业化分工优势，提高保险公司效率；推进保险市场加速市场化进程。·J·Root（2009）要加强对中介公司的内部管理和控制而我国的保险中介研究起步