The Insurance Broker's Legal System Is A Comparative Study

As one of the Insurance intermediary, insurance broker plays an important role in insurance market．Recently, the research on the legal system of insurance broker draws the attention from people of all walks of life．Certain achievement has been got in the respect of insurance broker legislation. however, in a word, the theoretical research still can't satisfy the need of the development of insurance market．Thesis herein proposes some concrete measures about perfecting the system of insurance broker in China by analyzing the system of insurance broker in developed countries and areas such as American, England and so on．Through learning from foreign counties and drawing on the advanced experiences,and thinking about the situation of China. I am expected to do something to perfect the system of insurance broker in China, to provide some valuable reference materials for theoretical circles to research the system of insurance intermediary to help insurance clerks, especially the Insurance intermediary correctly recognize and voluntarily standardize market activities.The thesis herein is composed of four chapters． The first chapters mainly inquires into the definition and connotation of insurance broker and analyses the connection and difference between Insurance broker insurance agent and other brokers sets forth the legal position and legal functions of insurance broker in the socialist market economy.The second chapter probes the reasons for comparatively perfect system of insurance broker in such countries and areas as America, England,Germany, Japan Taiwan,Hong Kong by comparing and analyzing the system of insurance broker in these countries and area,to learn the advanced experiences．The third chapter reviews the history of the development of the system of insurance broker in China and comments on the present situation and causes of the development of in broker, finds out theinternational gap of the system of insurance broker in our country. On the other hand, if we treat this problem in long term and we'll believe that the insurance broker possesses a bright prospect.The fourth chapter proposes the concrete measures to establish and perfect the system insurance broker to further perfect the supervision system of insurance broker； perfect the professional liability insurance system；to promote the insurance provisions and insurance premium rate marketing；to quickly perfect relevant law and regulations；to carry out scientific system of qualification rank and difference commission；to perfect the supervision to foreign insurance broker company.At present, our scholar's research on the legal system of insurance broker from the economics and insurance's angle is a bit more than that from the law's angle. Moreover, the insurance supervising authorities in our country prefer the administrative means to take charge of insurance broker, and seldom use legal measures. Therefore, it is extremely important to study insurance intermediary system from the law's angle. After analyzing and comparing insurance broker systems among all countries, the thesis herein discusses some existing problems in supervision on insurance brokers and in the liabilities of the insurance brokers in our country. Because of limited time and space, it's not clear enough to research such problems as promoting the marketilization of the insurance clause and the insurance rate, setting up related regulation system that standardizes insurance broker's practice behavior, carrying out scientific grade qualifications system, perfecting the governance of foreign insurance broker companies, etc. Further researches are owed to the questions above mentioned. At the same time, I also hope that this short thesis may attract more colleagues to join such research.