我国保险中介若干问题的思考与建议

Thoughts and Suggestions on Many Issues about Insurance Intermediaries in China

保险中介是保险市场不可或缺的重要组成部分,是保险市场社会化分工的必然结果。保险业越发达,保险中介越重要。当前,我国保险中介市场的主要矛盾是,保险中介服务的有效供给不能满足保险消费者和保险公司的需求。促进保险专业中介市场发展的对策包括:进一步发挥市场机制作用;引导保险市场和保险中介市场形成和谐健康的合作关系;大力加强保险中介诚信建设;进一步提高监管服务意识。促进保险营销制度健康发展的对策包括:督促保险公司落实相应的管理责任;完善保险营销员权益保障制度;探索保险营销员分级分类资格管理制度;进一步完善保险监管制度和监管手段;完善保险营销员有关政策;树立寿险营销行业的新形象。促进保险兼业代理健康发展的对策包括:实行分类监管政策;严格许可证管理;探索银行、邮政与保险公司之间深层次合作的途径和方式;鼓励符合条件的保险兼业代理机构转变为专业代理机构;规范业务、财务管理;实施联合监管。

Insurance intermediary plays an indispensable role in insurance market, which is the result of operating specialization of insurance market, The more developed the insurance industry, the more important the insurance intermediary. Currently, the main contradictions of insurance intermediary market are that the supply of intermediary services can＇t keep up with the demand of consumers and insures, The strategies of accelerating specialized insurance intermediary development are as follows ： further displaying the role of the market mechanism ; steering the intermediary market and insurance market forming a harmonious nexus; reinforcing honest and creditable operation; and enhancing service consciousness of regulators. The measures to enhancing healthy development of the individual agent system are as follows： supervising and urging insurers to carry out administration responsibility; consummating the rights and interests guarantee system for insurance agents; exploring the classification qualification system for insurance agents; perfecting insurance regulation systems and regulation instruments ; improving on relevant insurance agent-related policies ; and buildup a new and positive public image of writing life insurance through agent distribution. The strategies to promote healthy development of part-time insurance agencies are as follows： applying classified supervision; tightening license management; exploring the approaches and modes to form a deeperlevel cooperation between banks, postal offices and insurers; encouraging eligible part-time insurance agencies to turn into specialized agencies; standardizing operations and financial management; practicing united regulation with other related government regulators.