论中国保险经纪行业存在的问题及对策

随着我国保险业的改革和对外开放的不断深入,保险经纪人的职能和作用日益为社会所认可,在促进我国保险市场与国际惯例的接轨、保险市场竞争、保险公司规范化经营等方面发挥着积极的作用。但由于起步较晚,中国保险经纪行业的发展还有待进一步规范和完善,存在社会认知和接受度不高、缺乏规范化经营、专业人才不足、诚信等主要问题。本文透过保险经纪行业现状,对存在的主要问题及其原因进行分析,并探讨相应的对策。

The Existing Problems in Chinese Insurance Industry and the Countermeasures for Them

With the reform of the insurance industry in China and the continuous development of opening to the outside world,the function of the insurance brokers had been more and more accepted in the society,and insurance companies are playing an active role in pushing the insurance market in China towards the international practice,in competing at the insurance market,in standardizing operation of the insurance company,and the like.However,as it does not have a long history,the development of the insurance business needs to be improved and perfected.So far,it has not been well known,not attracted lots of customers,not been standardized in operation and is still short of enough professionals and credits.This paper intends to analyze the main existing problems and the causative factors through the present situation of insurance business and tries to find out counter-measures for them.