Analysis On The Situation And Problem Of Chinese Insurance Intermediary Market

Our formal sense insurance intermediary institutions have been established around since2000, after more than10years of development, the number of three main business volume is growing, the market has formed a certain scale. However, the market has become increasingly, straighten out the insurance agency market for many years as the focus of the China Insurance Regulatory Commission, the barriers to entry of the insurance intermediary market is also rising. The first chapter is the introduction part, including the background and significance of research, literature review, research methods and contents as well as innovative and shortcomings.In this paper, the second chapter describes the insurance intermediary definition, classification, and the development of foreign insurance intermediary market. This paper studies the insurance intermediary narrowly insurance intermediary. Insurance intermediary markets of the developed countries, the end of the chapter introduces text analysis of the insurance intermediary market situation leads after three angles:market size, market structure, there is a problem.Then, Chapter three comprehensive review of the course of development of China’s insurance intermediary market, analysis of the market situation with real data from a number of subjects, business size, business structure, market concentration, regional concentration perspective. China’s insurance intermediary entities and business scale in recent years has made leaps and bounds, but the small scale of individual institutions, the market concentration is low, unbalanced regional development, so that the insurance intermediary market structural issues outstanding.Based on the market situation, this chapter summarizes the problems facing the development of China’s insurance intermediary market and from both the macro and micro levels.The fourth chapter of this paper, the three, especially the problem of China’s insurance intermediary market (market access, lose the trust operation, conspiracy cash premiums), the use of econometric models for analysis, to explore the reasonable way to solve these problems. Insurance intermediary market access, can improve the intermediary market structure, change their living environment, but also can better achieve the maximization of social welfare; fraud analysis on the insurance intermediary market, the market can effectively reduce acts of dishonesty, maintaining market reputation; insurance companies and insurance intermediaries collusion virtual hang business analysis, and can optimize the market regulators, standard industry practices.Based on the foregoing analysis, the Chapter is conducive to the development of China’s insurance intermediary market views from two angles of the construction of the external environment and intermediary.