保赔分离制度是适应于社会化分工的保险经营机制创新。但在现行模式下 ,由于缺乏有效协调 ,导致其市场适应性存在一定的缺陷 ,特别是对公司的运营效率和市场反应速度产生了一定的负面影响 ,这在效率已成为当今保险业核心竞争力的时代是十分令人担忧的。通过整合保险业务经营组织架构 ,建立市场化运作机制 ,将竞争引入业务运行的各个环节是解决上述矛盾的重要途径 Pledge separation system is adapted to the social division of labor insurance management mechanism innovation. However, under the current model, due to the lack of effective coordination, there are some defects in its market adaptability, especially its negative impact on the operational efficiency and market reaction speed of the company, which has become the core competitiveness of the insurance industry today The times are very worrying. Through the integration of insurance business management structure, the establishment of market-oriented operation mechanism, the introduction of competition in all aspects of business operations is an important way to resolve the above contradictions