The Study Of Legal Position Of Insurance Broker

A complete safe market system, its main body by the insurer, the policy holder and insures the intermediary tripartite constitution, safe intermediary including insurance broker. The insurance broker to enhances the safe management efficiency, the balance insures in all quarters litigant's transaction process dissymmetry, promotes to insure the market the well-ordered development, the dissemination insurance culture, speeds up insures the market the depth development and the insurance product as well as management way aspects and so on innovation is playing the very major role. In England, America and so on in the insurance business developed countries, the insurance broker is acting the strong character in the insurance intermediary market. But the current our country's insurance intermediary market mainly safe agent market, the insurance broker market still was at the preliminary developmental stage, the insurance broker by no means arrived the function which its should have.This article from discussion insurance broker's legal status obtaining, debates analyzes in the insurance intermediary market other intermediaries and insurance broker's similarities and differences, pointed out the current our country insurance brokers the question which exists in the legal status and analyze the reason, unifies countries and so on British and American date with the local concerned insurance broker system, proposed suits develops the system in our country insurance broker.The full text altogether divides four parts.First part for insurance broker's outline. From brief introduction insurance business survey obtaining, then the introduction safe broker industry, from insurance broker's origin, the development, function classification obtaining, elaborated the insurance broker in insures in the market the legal status, the characteristic and the function.Second part of key discussion insurance broker's legal status. From manager's localization obtaining, through compares the British and American legal system and the mainland legal system country to manager's localization, then analysis insurance broker in our country's legal status, thus proposed own viewpoint, namely the insurance broker is the policy holder or insured's committee, and take this as viewpoint elaboration insurance broker's right and duty.Third part through to other insurance intermediary market main body and insurance broker's comparison, thus is clear about the status and the main responsibility which in each insurance intermediary market the main body locates. In this foundation prominent insurer's in each insurance intermediary market main body status.The fourth part pointed out the current our country insurance brokers in insure in the market its legal status existence question, and analyzes has the problem the reason, then proposed how processes to these questions, suggestion establishment unified insurance intermediary legal regime.