论文部分内容阅读
保险中介制度的现状现行的保险中介制度和体系不完善,尤其是缺乏传递真实信息的激励和约束机制,使得保险中介市场的逆向选择和道德风险问题比较突出,主要表现:(一)从保险中介模式方面看,现有的保险中介模式是以保险代理制为主,其中主要是个人代理。现有的保险经营体制致使保险经纪和保险公估的发展比较缓慢,例如保险监管的费率管制,使得保险费率和条款没有商谈的余地,限制了经纪人的活动;保险公司尚未形成委托保险公估人进行承保公估或理赔公估的习惯性做法和制度,只有在巨灾或高新技术估损时才委托保险公估人。上述因素使保险经纪和保险公
The status quo of the insurance intermediary system The current insurance intermediary system and the system is not perfect, especially the lack of incentive and restraint mechanism to transmit real information, making the insurance intermediary market adverse selection and moral hazard problems more prominent, the main performance: (A) from the insurance intermediary Modes of view, the existing insurance intermediary model is based insurance agency, which is mainly a personal agent. The existing insurance management system makes the development of insurance brokerage and insurance assessment relatively slow, for example, the rate regulation of insurance supervision makes the insurance rates and terms have no room for negotiation and limits the activity of brokers; the insurance company has not formed commission insurance An assessor carries out the customary practices and systems of underwriting public valuations or claims estimates, and only appoints the appraisers when the catastrophe or high-tech valuation is damaged. The above factors make insurance brokers and insurance companies