Research On Development Of Chinese Insurance Intermediary Industry

With the rapid increase of social economics and in-depth development of finance industry,as one of the three key industries in finance area,insurance industry has made tremendous achievements since recent years.When insurance industry develops to certain stage,it is required to have more detailed social division of labor,more professional techniques and more consummate services,which result in the emergence and rapid development of insurance intermediary.Like other business,on one hand insurance intermediary has had widen room for survival.on the other hand it has being adjusted according to its development orderliness.For the time being,the insurance industry,the regulatory authority and the public have recognized that the insurance intermediary has a bright future,however many problems exist.Being a rising industry,insurance intermediary should be required to look through its current stage,the characteristics of operation,development bottleneck and difficulties,etc.In the same time,it is also required to understand the experiences from overseas counterparts which are more mature and developed earlier and more stably.As such,this dissertation will research and mainly focus on how to accurately understand the current development position of Chinese insurance intermediary,judge the alternation trend and expedite its future development by various powerful countermeasures according to the current status,existing problems and the relevant reasons.Refer to the above topic,this dissertation is divided into six main chapters.The first chapter is the introduction,which will expatiate the relevant background and the purpose for choosing the topic as well as review and summarize the previous literatures of research on insurance intermediary.In addition,the research content,methodology,creative thinking and shortage of the dissertation are also included in this chapter.The second chapter conducts the theoretical analysis on the insurance intermediary,which focuses on necessity of insurance intermediary from economical perspective as well as introduces the main concepts related to insurance intermediary.The third chapter is to discuss the current status,operational characteristics and the new attempts in Chinese insurance intermediary market.The problems at present are pointed out and the corresponding reasons are analyzed in the fourth chapter.The fifth chapter is the comparison of international insurance intermediary patterns and the inspirations drawn. Based on the introduction of operational and regulatory patterns in some developed countries and areas,we will come out the experiences for development which can be referred to.The sixth chapter elaborates estimation on the development trend of Chinese insurance intermediary.In addition,based on the current problems and issues,certain conclusions are proposed on how to develop the Chinese insurance intermediary continuously,fleetly and healthily from the macro view on system,medium view on industry and micro view on operation.