我国保险中介市场的现状及完善

保险市场是典型的信息市场,信息不对称增加了双方的交易成本。保险中介市场的存在减少了信息不对称的程度,降低了交易成本,有利于交易双方收益的提高。但目前我国保险中介制度不够健全、市场秩序较为混乱、保险中介人才缺乏等因素限制了保险中介机构的发展。要建立并完善我国的保险中介制度,需要针对保险中介发展初期的特点及存在的缺陷,重视研究其正式制度安排。

The insurance market is a typical information market, and information asymmetry will increase transaction cost of both parties. The existence of intermediary market can reduce the level of information asymmetry and lower transaction cost, which can increase return of both parties. The current intermediary market in China is far from being complete, and there is also the problem of lack of good market order and shortage of professional personnel. These factors are hindering development of intermediary agencies. To improve on the insurance intermediary system, we need to make a careful research on the characteristics of the business in its initial development stage and the current deficiencies, and fully recognize the importance of complete policy and system arrangement.