Research On The Construction Of Insurance Intermediarymarket Structure And Its Supervisory System Of Our Country

Analyze the current situation of intermediary market of insurance of our country with the theories of economics, we can find out that the market supply is insufficient, the structure is out-of-balance, and the demand level still owes the contradiction improved. Moreover, because the supervisory system is supplied insufficiently, the construction of incentive mechanism of the market lags behind, the deregulation behavior of the insurance intermediaries is grave, and this has even caused the cordial crisis of the insurance industry, arose local cancel unrest, a certain kind of insurance police was retreated out of the market. It is seriously harmful to the interests of the insurer and the insured.It is regarded in the theses that the key to solve the problem is to study and use the advanced experience of the developed insurance markets for reference, analyze correctly the exact needing of ourcountry on the foundation of the economic theories as guide. And it is regarded that the leading tactics is to develop the kinds of form of professional insurance intermediaries' organizations, to choose and construct the suitable modes of insurance intermediary market base on the national conditions of our country correctly. And according to the progressive routes and mandatory system changes characteristics of the economic system reform of our country, it is important to strengthen the function of government's leading strength on the basis of perfecting insurance's relevant laws and regulations institutional improvement, setting up the qualification authentication and obtaining employment in order to build normal pricing system of insurance intermediary markets, setting up the mandatory professional knowledge training program to improve the Team' s quality so as to achieve the goal of encourage and restrain the insurance intermediary supply. Moreover, it is important to strengthen the demand of social through exciting and improving the consciousness of national insurance, to optimize the ballot mechanism of the market under the valid supervision to promote the benign cycle of the supply and demand of the market.Secondly, it is regarded important to legislating the insurance laws and regulations so as to strengthen the supply of the supervisory system guided by the motivational theory. And it is important toperfect and enact the system of professional liability insurance of the intermediaries, implement the mechanism of withdrawing from the market, perfect and implement the system and mechanism of high-efficient information announcing, so as to strengthen the function of the system to encourage and restrain the behavior of the intermediaries, and then achieve the purpose of strengthen the intermediary market supervision, promote the market to develop steadily and orderly.The current situation is proved and the development polices and suggestions are put forward in the theses based on the relevant economics theories and by the method of qualitative analysis mainly. Base on the encourage theory, the current situation and suggestion is analyzed and demonstrated, and this is the innovation of the theses.