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云南省保险业二十年来的发展,主要是依靠保险公司机构和人员的扩张,走的是保险人主导保险市场发展的路子,形成了保险中介主体缺失,保险中介市场发展严重滞后。这种状况已严重不适应保险业加快发展和与国际市场接轨的需要。因此,加快发展保险中介市场是当前云南省保险业发展的一项重要任务。保险中介的作用成熟的保险市场应具有保险人、保险中介人、被保险人三个要素(既供给、需求、中介三方主体)。在一个完善的保险市场中,应该同时存在一个健全的保险中介市场,其主体是包括保险代理人、保险经纪人和保险公估人在内的保险中介人。保险中介是完善的保险市场
The development of insurance industry in Yunnan Province over the past 20 years mainly depends on the expansion of insurance company institutions and personnel. It follows that the insurer takes the lead in the development of the insurance market, and lacks the main body of insurance intermediary, and lags behind the development of the insurance intermediary market. This situation has seriously deterred the needs of the insurance industry in accelerating development and keeping pace with the international market. Therefore, accelerating the development of insurance intermediary market is an important task for the development of the insurance industry in Yunnan Province. The role of insurance intermediaries Mature insurance market should have the insurer, insurance intermediary, the insured three elements (both supply, demand, intermediary tripartite body). In a perfect insurance market, there should be a sound insurance intermediary market, the main body is including insurance agents, insurance brokers and insurance assessors, including insurance intermediaries. Insurance intermediation is a perfect insurance market