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纵观世界各国,特别是市场经济比较发达的国家,都是运用保险中介人发展保险事业。在国际保险市场上保险中介人大体上有三种:即保险代理人、保险经纪人、保险公证人。从保险营销角度来分析主要是保险代理人和保险经纪人。目前我国保险市场上保险中介人的主要形式是保险代理人,在个别地方有少量的保险经纪人,而保险公证人仅在上海有一家。究竟哪一种保险中介人更适合中国国情,在中国保险市场上能更好地发挥作用,是值得认真地研究和探讨的问题。
Looking at all countries in the world, especially those with more developed market economies, all use insurance intermediaries to develop insurance businesses. There are basically three types of insurance intermediaries in the international insurance market: insurance agents, insurance brokers, insurance notaries. From insurance marketing point of view is mainly insurance agents and insurance brokers. At present, the main forms of insurance intermediaries in the insurance market in our country are insurance agents, a few insurance brokers in individual places, and only one insurance insurer in Shanghai. Whether a kind of insurance intermediary is more suited to China’s national conditions and can play a more effective role in the insurance market in China is a question worth serious study and discussion.