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保险中介是保险市场不可或缺的重要组成部分,是保险市场社会化分工的必然结果。保险业越发达,保险中介越重要。当前,我国保险中介市场的主要矛盾是,保险中介服务的有效供给不能满足保险消费者和保险公司的需求。促进保险专业中介市场发展的对策包括:进一步发挥市场机制作用;引导保险市场和保险中介市场形成和谐健康的合作关系;大力加强保险中介诚信建设;进一步提高监管服务意识。促进保险营销制度健康发展的对策包括:督促保险公司落实相应的管理责任;完善保险营销员权益保障制度;探索保险营销员分级分类资格管理制度;进一步完善保险监管制度和监管手段;完善保险营销员有关政策;树立寿险营销行业的新形象。促进保险兼业代理健康发展的对策包括:实行分类监管政策;严格许可证管理;探索银行、邮政与保险公司之间深层次合作的途径和方式;鼓励符合条件的保险兼业代理机构转变为专业代理机构;规范业务、财务管理;实施联合监管。
Insurance intermediary is an indispensable part of the insurance market, the inevitable result of the social division of labor in the insurance market. The more developed the insurance industry, the more important the insurance intermediary. At present, the main contradiction in China’s insurance intermediary market is that the effective supply of insurance intermediary services can not meet the needs of insurance consumers and insurance companies. The countermeasures to promote the development of the insurance professional intermediary market include: giving further play to the role of the market mechanism; guiding the insurance market and the insurance intermediary market to form a harmonious and healthy cooperative relationship; vigorously strengthening the integrity of insurance intermediaries; and further raising the awareness of regulatory service. The measures to promote the healthy development of the insurance marketing system include: urging the insurance companies to implement the corresponding management responsibilities; perfecting the insurance rights protection system for insurance marketers; exploring the classification management of insurance marketers’ classification; further improving the insurance supervision system and supervision measures; improving insurance marketers Related policies; establish a new image of the life insurance marketing industry. The countermeasures to promote the healthy development of insurance agency include: implementing classified regulatory policies; strict permit management; exploring ways and means of deep cooperation between banks, postal and insurance companies; and encouraging qualified insurance agencies to change into professional ones Agency; regulate business, financial management; implementation of joint supervision.