我国保险中介机构发展的研究.pdf

第四部分是本文的重点。本部分在前面三个部分的基础上，首先 论述发展我国保险中介机构的必要性以及其面临的市场机遇和历史 机遇；其次借鉴发达国家保险中介发展的经验，针对我国保险中介机 构存在的问题，提出发展我国保险中介机构的若干建议对策。既从宏 观的体制改革和社会文化等方面提出发展策略，又在微观层面上分别 对三类保险中介机构的发展提出建议对策，包括对保险公司的体制改 革和规范管理、保险中介自身的专业化队伍建设和运作机制的完善、 保险监管力度的加大和监管措施的完善等方面进行深入探讨。 本文认为我国保险中介机构在我国保险业发展中起着不可替代 的重要作用，应该得到大力发展。针对目前保险中介机构发展过程中 存在的问题，我们可以借鉴主要发达国家保险中介发展的经验加以改 进和完善。 关键词：保险中介机构发展 Abstract The a insurance is intermediaryorganizationsignificant component intheinsurancemarket．It Chineseinsurance to part propels industry a andCan’tbesubstituted speedily,whichplayssignificant develop play in insurance actionismoreand developing industrycontinually．The moreobvious．BecauseChineseinsurancehasmore industry opening t 1ailodler inthe policies countriesworldandtheinsurancemarketin China theinsurance should enlarge intermediary sharply．So organization seek a for faster insurance needthe development．Chinese industry insurance to intermediaryorganizationparticipate theinsurance covers fieldneededSOtheinsurance companyevery intermediary survives． organizationnarrowly Thisarticle studiesChineseinsurance mainly intermediary in text narrowsense．Fullisdividedintofoursections： organization Firstsection the ofthe introduces and conceptcategoryintermediary theactionthatshouldnotsubstitutemtheinsurance organization，and the views industry Furthermore，it development． intermediary coursesinceChina’Sreformand development opening． Thesecond the sectionintroducesinsurance intermediaryofEngland， U．S．Aand out‘thereferencefor the Japan，andpoints developing intermediary organization协China． Thethirdsection the main introducessituationand detailedly ofChineseinsurance then problems intermediaryorganization,and the analyzesproblems． Thefourthsectionisbasedontheabove discusses sections．Firstly,it the of Chineseinsurance essentiality intermediary developing it the for Chinese organization．Secondlyprovidesproposals developing insurance fromthe ofthe intermediaryorganizationexperiencedeveloped countly． that i