我国保险代理业发展问题研究.pdfVIP

要 作为金融业三大支柱之一的保险业，在我国经济建设中起着越来越重要的作 用。中国加入世贸组织后，保险业的首要任务是做大做强，提高国际竞争力。在 业务快速发展的同时，保险业发展后劲不足的问题也 露出来，实现保险市场主 体多元化成为迫切任务。本文广泛参考了保险及市场中介组织的各类文献，阐述 了发展保险业中介的必要性，分析了国内保险代理市场的现状及存在的问题，并 对健康发展保险代理业提出自己的建议。 关键词：保险代理 发展研究 建议 1 Abstract The insurance industry takes finance industry one of three big props, is playing the more and more vital role in our country economic development. After China joins World Trade Organization, the most important task of insurance industry is becoming greatly strongly, enhancing the international competition strength. While service fastly developing, the question which the insurance industry growth potential is insufficient also exposes, the realization insures the market main body multiplication into urgent duty. This article has widely referred to the insurance and market intermediary organizations each kind of literature, Elaborated the development insurance industry intermediary necessity, has analyzed the domestic insurance agency market present situation and the existence question, and puts forward own proposal to develop insurance agent industry rapidly. Key word: The insurance agency Development research suggestion 2 目 录 1. 导言 1 2. 发展我国保险中介的必要性 3 2.1 保险中介的经济分析 3 2.1.1 佣金会影响保险费吗? 3 2.1.2 保险中介的制度优势 5 2.2 我国保险中介的国际差距