保险中介市场风险状况及监管对策  

The risk profile of the insurance intermediary market and regulatory measures

作　　者：安秀洪[1] 王晓东[1] 丁洪生[1] 

机构地区：[1]中国保险监督管理委员会河北监管局,河北石家庄050051

出　　处：《保险研究》2009年第6期52-56,共5页Insurance Studies

摘　　要：当前,随着保险中介市场的快速发展,市场风险状况不容乐观,一般性风险普遍存在,个别机构因严重违法造成的风险已相当严重,同时,因保险中介经营模式创新引发的风险也不容忽视。这些风险如不能采取有效的监管措施加以控制,势必对保险中介市场平稳健康发展带来严重冲击。为此,应加快完善监管法律法规和制度,严格市场准入并建立有效的市场退出制度,强化保险公司对代理机构和保险营销员的管理责任,改革现行个人保险营销体制,细化从业人员资格考试,实行从业人员分级管理,充分发挥行业协会的自律职能。Along with the rapid development of the insurance intermediary market, the market risks are also accumulating. There is a prevalence of ordinary risks, and some intermediary firms are facing with grave risks due to their serious violation of relevant laws. Moreover, the risks emerged in the innovation of business models by intermediary firms should not be neglected. These risks, if not properly regulated and controlled,will have a major impact on the steady and healthy development of the intermediary market. tion, tighten the market access rule, establish a market exit Therefore, we should enhance on regulation and legisla- system, strengthen responsibility of insurers on the intermediary agencies and individual insurance agents, reform the current individual agent distribution mechanism, conduct classified qualification examinations to various insurance practitioners, apply classified management of various insurance practitioners, and fully mobilize the self-disciplinary role of insurance industry associations.

关 键 词：保险中介市场 风险 保险中介监管 

分 类 号：F840.32[经济管理—保险]