论保险中介与保险公司的关系回归

Regaining Partnership by Insurance Intermediaries and Insurance Companies

保险中介制度引入到保险市场之中，可以有效改善保险市场信息不对称的状况。保险中介入是保险产业分工与保险组织专业化、市场化发展的产物，是保险人的合作伙伴，客观上能够促进保险市场的繁荣。然而，目前我国保险中介机构与保险公司之间却存在着不正常的竞争关系。这一关系的形成，源于我国旧经济体制的制度惯性、保险业（保险公司）的长期垄断等方面。但是，主要原因还在于保险中介机构本身的专业化程度较低、市场分工不明确。因此，保险中介与保险公司战略合作伙伴关系的回归，主要应从保险中介方面寻找突破口。

Introducing the insurance intermediary system into the insurance market will effectively improve the situation of information asymmetry in this market. Insurance intermediaries are a result of division of work in the insurance industry, growing specialization of insurance entities and greater role of market forces. They are partners to insurance companies and should be helpful for the flourishing of the insurance market. However, there is an abnormal competition between insurance intermediaries and insurance companies in China today. The root of this problem is the inertia of legacy policies and the extended monopoly in the insurance industry （by insurance companies）. But the major reason for this problem is the relatively low professional level of insurance intermediaries and undefined division of work of the insurance market. The insurance intermediaries should take a bigger role in normalizing the strategic partnership of them with insurers.