我国保险经纪业存在的问题与对策探析

Probe into Problems and Countermeasures for Insurance Brokage in China

从整体上来看,我国保险经纪行业的实力还相对较小,发展定位和发展方向存在偏差,以及低水平竞争等问题不仅影响了保险经纪行业自身的发展,在一定程度上也制约了保险业的良性发展。文章分析了我国保险经纪行业当前存在的主要问题,从政府监管层面上提出应该进一步规范市场准入和退出机制、实行"分类管理、扶优限劣"等政策,从行业层面上提出加强自律及行业自身建设的对策。

The comprehensive strength of the domestic insurance brokerage industry is comparatively weak,for its development orientation and direction are not correct and the competition seems on the low level which not only prevent the insurance brokerage industry from developing well,but also restrict the insurance industry＇s well development.This paper analyzes the brokerage industry＇s main problems,and discuses the necessary condition to the insurance brokers to act as intermediaries.Finally,from the industry development policies and insurance brokerage agencies＇ two levels,some development countermeasures are presented to promote the insurance brokerage industry rapid and sound development.