论保险代理机构的分类监管

保险代理机构在综合实力、经营管理方面存在较大的差异性,有必要对保险代理机构进行分类分级。实现对保险代理市场主体的细分。同时,保险代理机构的快速发展也对保险监管提出更高要求,实施分类监管重要性日益显现。为有效实施分类监管,必须建立科学的保险代理机构分类评级指标体系,提高保险代理机构信息化建设水平,为分类监管提供定量标准和依据。实施保险代理机构分类监管,有助于保险监管机构提高监管效率、实现"扶优限劣"监管目标,实现监管方式由事后监管、结果监管、外部监管向事前监管、过程监管、内控监管的转变。

Insurance intermediary agencies differ significantly from each other in terms of comprehensive strength and operational management, therefore it is necessary to classify them and regulate them differently. Meanwhile, insurance intermediaries＇ rapid development put a higher requirement on insurance regulation, which makes their classified regulation increasingly important. To effectively conduct classified regulation, we must establish a set of scientific insurance intermediary classification system and enhance the information technology level of intermediary agencies to provide quantitative standards and basis for classified regulation. Classified intermediary regulation is conducive to improving regulation efficiency, realize the target of ＂supporting the superior and restricting the inferior＂, and achieve the transition from after-regulation, result regulation, external regulation to pre-regulation, process regulation and internal control regulation.