Research On The Cooperation Between The Insurance Broker And The Insurer

Insurance agent are units who provide intermediary services for insurance policyholders and insurance companies to entered into contracts based on the interests of policy holders and take a commission in accordance with the law. Insurance agent system's increase is because of the rise of marine insurance. The role of insurance agent is very prominent in the international insurance market because insurance agent brought a great deal of insurance business for insurance and promoted the international insurance market prosperity.The insurance market players of the insurance market more, the competitive it becomes; the more it will benefit insurance companies and insurance agent firm's cooperation. China's insurance market players have increased significantly with the development, open and mature of the insurance market. Many insurance companies have already started to change the direction of development and start to focus on enterprise management, utilization of capital, product development and promote corporate decisions more scientific and establish credibility image in the market.Although insurance companies and insurance agent firms continue to intensify cooperation, the cooperation between them is also with high resistance in our country. The insurance agent started late, development is incomplete and there is a very wide gap between Insurance agent and insurance company in the strength. The traditional insurance companies face enormous historical burden of large sales institutions. Insurance agent can not obvious save cost, insurance companies changed the system requires a process and the acceptability of insurance agent need a process, etc. Based on the current practical cooperation between insurance companies and insurance agent,this paper profound analysis of the problems that exist, and proposed many solutions.The article is composed of three chapters, the main content and viewpoint is: The first part (foreword), introduced the background and significance of topics, research methods, as well as the frame structure of this paper.The second part (Chapter 1), introduced the general theoretical issues on cooperation between insurance agent and the insurance companies. Firstly, insurance agent were outlined. Secondly, economic theory about division of labor was described.The third part (Chapter 2), the status quo of cooperation between insurance agent and the insurance companies was described and problems between the cooperation of them. Firstly, this chapter introduced the current status of business from the development of cooperation, structure of business cooperation mode between the two sides, then, discussed cooperation in many issues, from the micro-and macro-environment.The fourth part (Chapter 3), this part advanced cooperation countermeasures between insurance companies and insurance agent and targeted put forward six measures to improve bilateral cooperation. First, the government should intensify its efforts to reform the insurance companies, speed up the pace of insurance company's intensive operations. Second, cooperation process between insurance companies and insurance agent is the process of mutually selected, mutual recognition, and also the survival of the fittest process. Third, the insurance agent should assist the insurance company to make product development and innovation. Fourth, improve laws to regulations and supervisory system. Fifth, comprehensively promote the market-oriented rates. Sixth, establish the integrity platform between insurance companies and insurance agent.Innovation of this paper: (1) this paper take division and cooperation between insurance companies and insurance agent as research direction. This topic is relatively new.(2)This paper r introduced the current status of business from the development of cooperation, structure of business cooperation mode between the two sides, then, discussed cooperation in many issues deeply. (3) The methods of combination of normative analysis and standardized analysis were used. The large number of relatively new data and examples were cited, and all this Combine with the current policy guidance. This paper's convincing was enhanced.