保险中介机构监管探析安秀洪王晓东（中国保险监督-保险发展服务中心.PDFVIP

保险中介机构监管探析 安秀洪 王晓东 （中国保险监督管理委员会河北监管局，河北 石家庄 050051） ［摘要］保险中介机构监管包括市场准入和退出监管、市场行为监管及公司治理监管。市场 准入和退出监管是前提，公司治理监管是根本，市场行为监管是保证。保险中介机构市场准 入和退出监管，主要是严格保险专业中介法人机构、保险专业中介分支机构、保险兼业代理 机构的市场准入，规范保险中介机构的市场退出，确保准入和退出公开透明。保险中介机构 市场行为监管，主要是按照“引导、教育、处罚”并重的思路，严格对保险中介机构业务合 规性、财务合规性、保证金缴存、保险中介服务统一发票使用、保险公司管理责任的监管， 以维护公平竞争的保险中介市场秩序。保险中介机构公司治理监管，主要是监管中介机构法 人治理结构和内部控制制度建设及执行情况，实现分类监管、扶优限劣的既定目标，促进保 险中介市场又好又快地发展。 ［关键词］市场准入和退出监管；市场行为监管；公司治理监管 ［中图分类号］ F840．32 ［文献标识码］ A ［文章编号］1004-3306（2007）10-0051-04 Abstract： The regulation on insurance intermediary agencies includes market entry and exit regulation, market behavior regulation and corporate governance regulation. Market entry and exit regulation is the prerequisite, corporate governance regulation is the key, and market behavior regulation is the guarantee. Insurance intermediary agency′s entry and exit regulation has very stringent rules regarding the market entry and exit of insurance intermediary legal entities, their branches, and market entry of specialized and non 　specialized agencies. This is to ensure transparency of market entry and exit. Market behavior regulation follows the principle of “guidance, education and punishment” and has strict rules on the regularization of their business operation, finance, contribution of insurance guarantee funds, use of standard receipts and internal management in order to maintain an orderly market. Intermediary corporate governance regulation mainly covers the areas of legal person governance structure and internal control system construction and execution and aims for the objective of classified supervision and encouraging the superior while eliminating the inferior to promote faster and better development of the insurance market. Key words：market entry and exit regulation;