按照国际惯例 ,保险中介由代理人、经纪人和公估人三类主体构成。我国早已出现了保险代理人 ,经纪人也已正式启用 ,建立一个完善的保险中介市场 ,还需要公估人规范执业。本文阐述了公估人产生的背景 ,分析了其存在的重要价值 ,指出为完善公估人制度 ,还须提高公估队伍人员素质、加强机构设置、建立担保机制 According to international practice, the insurance intermediary consists of three types of agents: agents, brokers and public appraisers. China has long appeared insurance agents, brokers have also been officially opened to establish a sound insurance intermediary market, but also need to assess the norms of practice. This article elaborates the background of the public assessors and analyzes the important value of their existence. It points out that in order to perfect the public assessor system, the quality of the public assessors should be improved, the institutional setting should be strengthened, the guarantee mechanism should be established