澳大利亚保险市场和保险职业教育考察报告

A Research Report on the Australian Insurance Market and Its Insurance Education

澳大利亚是一个保险业比较发迭的国家。其保险市场的主要特点是：保险市场集中度高；保险产品多样化；保险中介在保险市场中发挥重要作用；监管机构重视发挥市场自我调节的功能；购并和重组是保险企业扩张的有效途径。澳大利亚的保险职业教育与培训主要是由保险协会或学会组织推动的。借鉴澳大利亚的经验，我国保险业集团化经营必须注重法人治理结构和内控建设；重视消费者权益保护。加强金融监管机构之间的沟通和协调；探索符合我国实际的保险职业教育和培训模式；保险经营应因地制宜；大力发展保险专业中介机构；加强保险行业协会建设。

Australia has a well developed insurance industry. The major features of its insurance markets are： high concentration, high product diversification, insurance intermediaries playing an important role, regulator stressing self-adjustment by the market itself and acquisition and consnlidation being effective routes to insurer expansion. Insurance vocational education and training in Australia are organized mainly by its insurance association or insurance academy. Referring to the Australian experiences, on their way to grow into a conglomerate, Chinese insurers must attach greater importance to its legal person governance structure and internal control mechanism, protect consumer rights, enhance communication and coordination with financial regulators, explore suitable insurance education and training model, develop insurance business in line with local situations, increasing participation by specialized insurance intermediaries, and strengthen insurance associations.