我国保险中介业改革与创新初探

A tentative exploration of the reform and innovation of insurance intermediary industry

我国保险中介业是快速发展的新兴产业，在我国保险业健康、规范发展中的重要作用愈来愈明显。当然也存在缺陷：主体结构失衡，专业中介发展严重滞后；资源型中介偏多，兼业代理业务比重偏大；保险营销员身份定位模糊，缺乏规范化管理；行业协会的中介委员会的职能难以充分发挥。自主创新是解决保险中介存在缺陷的金钥匙。要通过制度创新，限制资源垄断，提高企业的核心竞争力；通过组织形式和经营模式创新，促进保险中介业规范化发展；通过行业自律组织的改革与建设，促进中介业的健康发展；建立从业者自律、业内考核、协会指导、政府监管与社会舆论监督机制，促进中介业规范化发展。

The insurance intermediary industry is an emerging industry that is developing quickly. It is playing an increasingly more important role in the healthy and regularized development of the insurance industry. However, this industry has the following problems： structural imbalance due to laggard development of specialized intermediaries, unduely large number of resources-driven intermediaries and high proportion of non-specialized agency business; blurry positioning of the identity of insurance agents and lack of standardized management. Furthermore, the intermediary committee of the insurance association cannot fully play its role. Serf-independent innovation is the golden key to solving these problems. We should limit resource monopoly and improve enterprises＇ core competitiveness through policy innovation, promote regularized development of the intermediary industry through innovating the form of organization and the business model, enhance healthy development of the industry through reform and construction of serf-disciplinary organizations. And finally we should promote regularized development of the intermediary industry by establishing a mechanism composed of serf-discipline of intermediary companies, appraisal within the industry, guidance of the associations, government regulation and social oversight.