对我国保险专业中介发展问题的思考

Some Issues about the Development of Specialized Insurance Intermediaries

更高的效率与更低的成本,产业链各主体利益共赢的生存法则,是保险行业良性生态的基础。资金、人才、技术,成为制约保险专业中介做大做强的主要瓶颈。在规模化及技术进步的效率提高基础上深化与保险公司利益一致的战略合作,是其新时期发展的现实选择。以创新提升保险专业中介有效供给能力是现阶段最主要的任务。竞争发展,须由商业模式确定的战略定位及战略规划获得制高点。从专业型走向综合型,是企业组织管控能力与市场能力匹配的结果,是企业决策者基于现实资源能力深思熟虑市场战略的结果。

Higher efficiency and lower cost, and regarding mutual benefits for all stakeholders as the law of survival are the basis for a virtuous ecology of the insurance industry. Insurance intermediaries are important components of the chain of the insurance industry, and their development lies with the coordinated development of all types of entities on the chain. Currently, capital, talents, and technology are factors hindering the strengthening of insurance intermediaries. On the basis of growing in size and quickening the pace of technical progress, insurance intermediaries should establish a win-win strategic relationship with insurance companies in the new era. And their immediate task is to enhance their supply capability through innovation. For growing while facing with competition, insurance intermediaries should establish viable strategies linked with their business models. Transiting from a specialized intermediary to a composite intermediary requires a proper matching of organizational and internal control capabilities with market competition competence, and a well-thought out decision by company executives based on their resources and market strategies.