The Status Quo Of China's Insurance Adjuster Industry, Problems And Countermeasures

With the setting-up of the market economic system of our country, Chinese insurance has obtained considerable development. Among this system of the insurance ,the insurance assessor is still at initial stage in our country; Compared with other insurance intermediary, questions such as market main body omission , market disorder ,low engineering level have not been solved at all yet. How to lead and promote the insurance assessing industry to develop correctly in a healthy way has become the key subject we must face to develop our Chinese insurance industry.If various kinds of above-mentioned problems can't be solved in time, they will do serious harm to the development Chinese insurance assessing industry. People studying on the issue should wake up society and insurance supervision department' attention to this industry by work hard, and dispel theoretical research lags behind with pens, thus make theory of assessors can answer new problems met in the course of development rapidly.This text is on the basis of absorbing and using the domestic and international insurance assessor's system for reference and developing experience. It has conscientiously analysed the current situation of the development of the assesing industry , deeply introduced the question existing in the present insurance assessor's system of our country, and come up with systematic measures promoting the development of assessing industry of China's insurance. The following several respects are putting forward my own opinion in the article:First, After more than 20 years of development, domestic insurance assessing institutes show new characteristics: the type of operation change constantly, the business scope being extended constantly and the practice procedure tending to the norm. These changes meet the need of present insurance market development. They are also the display of accession to the WTO. From the type of operation , business scope and practice procedures, this text will introduce the current situation of insurance assessing industry.Second, this text analyses the questions existing in the development of assessing industry of insurance of our country. In our country, the insurance assessor's unique function can not be given full play, reason exist on a great deal of questions that the trade exist. These questions show mainly: First of all, the market demand is deficient. Insurance companies influenced by management mode of the extensive type unwilling insurance assessors to work in claims settlement business field. Public understanding level is too low to trust insurance assessors. Assessors' qualities are unable to up to the customer's requirement .These factors make enormous potential demands unable to turn into the actual one. Secondly, regulation of management of assessors is lack in the law of insurance, the insurance assessor's legal status is queried, main bodies in loss assessing market can't be protected by law commonly in the unordered competition. Finally, indeterminate expenses standard upset the fair competition of the loss assessing market.This text carries on in-depth analysis to each above-mentioned questionsLast, putting forwards with countermeasure of promoting the development of Chinese insurance assessing industry from eight respects.For assessor development is still unripe in our country, the materials of this field and research results are very limited, this text content is unavoidably not ripe and perfect enough. If it can play some positive roles to insurance assessing theory and practice study of our country, this text have already achieved the author's purpose.