论我国保险中介市场的完善

Improvement in China's Insurance Agency Market

我国的保险中介形成于20世纪90年代,随着保险产业化的进程的加快,保险中介机构在数量上已较为可观,业务规模和市场份额迅速增长,经营水平不断提高。但是在保险中介市场的发展过程中也存在这一些问题,如专业中介机构规模小、业务种类不丰富、专业人才缺失、对兼业代理人监管不到位等。我国保险中介市场的完善,应当根据我国的具体保险市场环境,吸收借鉴国外同业的先进之处,选择符合我国国情的正确发展道路和模式,具体措施是加强对保险中介业务的部门监管,培育良好保险中介市场环境,加大保险中介企业的信息披露力度,提高保险中介机构专业化水平和从业人员素质,加强保险中介行业自律,以此来促进保险中介市场的健康、有序发展。

Insurance agencies in China started in 1990s. With the acceleration of industrialization progress of the insurance industry, insurance agencies are impressive in terms of number. The business scale and＇market share are increasing rapidly with operational improvement： However, there are still some problems in terms of small scale of specialist agencies, insufficient business lines, professional personnel shortage, and deficient supervision over sideline insurance agents. To improve the market of insurance agency, China should select a proper development path and mode suitable to the current national situation, acCord!ng to the specific environment of insurance markets, by learning from advance foreign experience. Concrete measures include enhancing supervision over insurance agencies, building a friendly market environment, intensifying information disclosure of insurance agencies, promoting the professional level and quality of per-sonnel of the agencies. In addition, insurance agencies should enhance self-regulation. In this way, insurance agency markets could be developed in healthy and order manners.