中国保险中介市场发展研究

发布时间：2018-07-01 12:05

本文选题：保险中介市场 + 保险代理人　；参考：《广西大学》2017年硕士论文

【摘要】：保险中介是保险市场发展的必然产物及重要组成部分。保险中介的产生和发展是与保险市场的不断发展和完善过程融合在一起的。进入新世纪尤其是入世以来,随着我国经济的繁荣,保险市场的不断完善,我国保险中介市场也取得了突出成绩。然而,在保险业发达国家,保险中介机构达成的业务量在整个保险市场中占比极高,而在中国,专业中介机构完成的保险业务不到10%。中国保险中介行业虽然起步晚、发展慢且不成熟,但发展前景广阔,提升空间极大。在现阶段,如何有效地促进保险中介行业的快速发展,亟待探讨研究。本文从保险中介的一般理论分析着手,阐释了保险中介的概念与分类、产生与发展过程;并从规模、结构、监管及自律情况方面分析了我国保险中介市场现在发展的状况;论述了目前我国保险中介市场面临的三大问题,一是发展不平衡;二是专业化水平低;三是违规现象普遍。接着介绍了英美日三国保险中介市场发展的历程,并总结了他们发展的四个共同点,一是保险中介是保险销售的主要渠道;二是保险中介从业人员素质较高;三是保险中介具有完善的法律体系;四是保险中介行业自律机制成熟。以及分析了他们成功的发展给我国中介市场的经验借鉴。最后从五个方面提出了完善我国保险中介市场发展的对策。第一,尽快优化保险中介市场结构——鼓励引导专业中介机构规模化发展、继续引导兼业代理机构专业化发展、优化保险中介机构的区域分布;第二,不断提高保险中介专业化水平——注重专业人才培养、积极调整业务结构、努力提升业务创新能力;第三,建立与保险公司深层次合作关系——明确保险中介人的市场定位、加强与保险公司多元化合作;第四,建立健全保险中介市场监管机制——加强市场准入监管、努力完善保险中介市场信用体系建设、健全行业法律法规体系;第五,加强中介行业自律行为——壮大行业自律组织、加强从业人员的职业道德操守。
[Abstract]:Insurance intermediary is the inevitable product and important component of the development of insurance market. The emergence and development of insurance intermediary is combined with the continuous development and perfection of insurance market. In the new century, especially since China's entry into WTO, with the prosperity of our economy and the continuous improvement of insurance market, our insurance intermediary market has also made outstanding achievements. However, in the insurance industry developed countries, the volume of business reached by insurance intermediaries accounts for a high proportion of the entire insurance market, while in China, professional agencies have completed less than 10% of the insurance business. Although China's insurance intermediary industry started late and developed slowly and immature, it has broad prospects and great room for improvement. At the present stage, how to effectively promote the rapid development of insurance intermediary industry needs to be discussed. This paper starts with the general theory of insurance intermediary, explains the concept and classification of insurance intermediary, its emergence and development process, and analyzes the current development of insurance intermediary market in China from the aspects of scale, structure, supervision and self-discipline. This paper discusses three major problems facing the insurance intermediary market in our country at present, one is the imbalance of development, the other is the low level of specialization, and the third is the general phenomenon of violation. Then it introduces the history of the development of insurance intermediary market in Anglo-American and Japanese countries, and summarizes the four common points of their development, one is that insurance intermediary is the main channel of insurance sales, the other is that the quality of insurance intermediary employees is relatively high. Third, insurance intermediary has a perfect legal system; fourth, insurance intermediary industry self-discipline mechanism is mature. And analyzed their successful development to our country intermediary market experience reference. Finally, the paper puts forward the countermeasures to improve the development of China's insurance intermediary market from five aspects. First, to optimize the structure of the insurance intermediary market as soon as possible-to encourage and guide the large-scale development of specialized intermediary organizations, to continue to guide the specialized development of concurrent-business agencies, and to optimize the regional distribution of insurance intermediaries; second, Continuously improve the professional level of insurance intermediation-pay attention to the training of professional personnel, actively adjust the business structure, strive to enhance the ability of business innovation; third, establish a deep cooperative relationship with insurance companies-make clear the market position of insurance intermediaries, Strengthen diversified cooperation with insurance companies; fourth, establish and improve the insurance intermediary market supervision mechanism-strengthen market access supervision, strive to improve the insurance intermediary market credit system construction, improve the industry laws and regulations system; fifth, Strengthen intermediary industry self-discipline-strengthen industry self-discipline organization, strengthen the professional ethics of practitioners.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842

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