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1、浅析我国保险中介市场的现状及发展摘要保险业是现代金融体系中的重要组成部分,在社会和经济中起到越来越重要的作用,被称为"现代社会和经济的稳定器"。近几年来,我国保险中介市场取得了迅猛的发展,已经初具规模,然而,作为保险市场的重要组成部分,我国保险中介市场一直处于变迁完善过程之中,还存在着兼业保险代理人角色错位,保险中介制度的不完善,保险中介技术脱位,信誉缺失等问题。为此,必须以保险市场快速发展为契机,大力发展保险专业中介市场,积极发展保险营销,规范发展保险兼业代理市场,优化完善保险中介市场结构。调整保险中介市场的发展布局,拓展保险中介市场的发展空间,提高保险中介人员的整体水平,为增强民族保险保险
2、业整体竞争实力,优化结构,创新发展,构建中国特色的保险中介市场,打下良好的基础。[关键词]保险中介市场保险代理人保险经纪人保险公估人Abriefanalysisaboutthepresentsituationandthedevelopmentoftheinsuranceintermediarymarketofchina[Abstract]Theinsurancebusinesswhichistheimportantcomponentofthemodernfinancialsystem,whichisplayingmoreandmorevitalroleinthesocietyandtheeco
3、nomyanditiscalled"themodernsocietyandtheeconomystabilizer".Inthelastfewyears,ourcountryinsurancemarkethasmadeaswiftprogressandisbeginningtotakeshape.However,takestheinsurancemarket'stheimportantcomponent.China'sintermediarymarketofinsurancebusinessisnotonlyalwaysinavicissitudeperfectprocess,butalsoh
4、astheproblems,suchas,theroledislocationofconcurrentlyindustryinsuranceagent,theimperfectoftheinsuranceintermediarysystem,thedislocationofinsuranceintermediarytechnologyandthelostofthecredits.Therefore,wemusttakethefastdevelopmentoftheinsurancemarketastheturningpoint,todevelopspecializedintermediarym
5、arketoftheinsurancevigorously,todeveloptheinsurancemarketingpositively,toreforminsuranceconcurrentlyindustryproxymarketandtoimprovetheconstructionofinsuranceintermediarymarket.besides,wealsohavetoadjustinsuranceintermediarymarket'sdevelopmentlayout,enlargetheinsuranceintermediarymarket'sdevelopments
6、paces,andraisetheinsuranceintermediarypersonnel'soveralllevels,inordertoenhancethewholecompetitionstrengthofnationalinsurancebusiness,makeaninnovationaldevelopment,constructtheChinesecharacteristicinsuranceintermediarymarketandbuildagoodfoundation.[Keywords]InsuranceintermediarymarketInsuranceagentI
7、nsurancebrokerPublicestimatorofInsurance目录前言1一、我国保险中介市场的基本概况1(一)保险中介市场的特点1(二)我国保险中介市场的现状2二、我国保险中介市场存在的问题3(一)角色错位3(二)保险中介市场管理缺位4(三)人才匮乏,专业水平和服务质量不高4(四)保险中介市场信用体系不完善5三、制约我国保险中介市场发展的不利因素5(一)机构发展缓慢,市场观念淡薄