中国保险中介市场的演化与发展

Evolution and Development of Chinese Insurance Intermediary Market

保险中介市场主要受市场规模、市场结构和市场环境3个要素驱动,可以从发展规模、营销产能及规模收益等多个角度透析市场规模要素,从而揭示中国保险中介市场的演化特点与发展趋势。当前中国要促进保险中介市场发展,应积极实施保险营销员体制改革,持续发展专业保险中介市场,大力扶持保险公估市场,严格规范兼业保险代理市场,规范保险中介市场软环境,加强政府及市场作用的良性互动,以及协调多元利益主体关系的平衡。

The insurance intermediary market is mainly affected by 3 factors including market size, market structure and market environment. Analyzing market scale factors from development scale, marketing production, guaranteed returns and other aspects, this paper reveals the evolution characteristics and development trend of Chinese insurance intermediary market. Currently to promote the development of the insurance intermediary market, China should actively implement the system reform of insurance salesmen, sustainably develop professional insurance intermediary market, and vigorously support the insurance assessment market, strictly regulate the insurance agency market as countermeasures for the promotion of the insurance intermediary market, strengthen the positive interactive between the government and the market function, and coordinate the balance of multiple interest subjects relations.