中外保险中介市场比较分析及政策建议

近几年来，我国保险专业中介机构快速发展，保险中介法律法规体系基本建立，保险中介机构在服务、产品、经营创新方面取得初步成效，业务规模增长较快。但与国外相比，我国保险专业中介在市场占有率、专业化水平、与保险公司战略合作、经营模式、竞争模式等方面有较大差距。必须深化体制改革，推进保险公司社会化、专业化经营，拓展保险中介发展空间；加强专业品质，注重诚信建设，提高中介机构的核心竞争力；实施人才战略，推进对外开放，加速保险专业中介与国际接轨，推进保险中介对外开放；改善监管，加强自律，促进中介机构健康和谐发展，加强中介行业自律。

A Comparative Analysis on Insurance Intermediary Market in China and Abroad and Corresponding Policy Suggestions

Insurance intermediaries have witnessed rapid development in China in recent years and basic legislation on insurance intermediary has been established. Insurance intermediaries have made initial achievements regarding services, products and operational innovation and their business scales expanding rapidly. However, compared with foreign markets, Chinese insurance intermediaries are very behind their foreign counterparts in terms of market share, professional level, strategic cooperation with insurers, operation model and competitive model, etc. The insurance market of China should be further restructured ,and specialization of insurance companies should be strengthened ,in order to expand the room of development by insurance intermediaries. At the same time, insurance intermediaries should improve their professional level, build up their credibility and improve their core competitiveness; They should also attract more talented professionals, quickly narrow the gap with their international counterparts and open up the insurance intermediary market to foreign countries. The insurance regulator should improve supervision of intermediary market, enhance their self-discipline, and improve sound and harmonious development of insurance intermediaries.