Concerning The Problem Of Insurance Intermediary Market In China And Countermeasures

With the deepening of market economy, insurance as a means of economic compensation and socialredistribution of the special way, in the contemporary economic life plays a more and more important role.Under the background of economy integration, the insurance industry to the economic and socialdevelopment role is irreplaceable, the more developed economy, the higher the claim to the insuranceindustry. Insurance agents with the development of the insurance business and the demand of the market, isthe inevitable outcome of the insurance industry fine division of labor, it promote the development of theinsurance industry. As an important support and guarantee for the insurance, the insurance intermediarymarket is charged with promoting the transformation of the insurance industry, power important mission ofleap-forward development for the insurance industry, insurance agents as bond insurers and the insured, toimprove the market efficiency, reduce transaction cost, promote the steady development of the insuranceindustry has a crucial role. So we should attach great importance to the development of the insuranceintermediary market. The function of insurance intermediaries are: promote the optimized allocation ofinsurance resources; Reduce the cost of insurance to protect the interests of both sides; Promote theinsurance enterprise management pattern transformation.But at the same time, China’s insurance intermediary market development still faces some problems:one is the insurance intermediary institution or professional agency, insurance marketing staff, theunbalanced development of concurrent-business insurance agency, industry chain each link cohesiondisorders; Second, the market competitiveness is not strong, such as: organizations do not scale climate,such as weak capital strength, operating profit is low; Low level of specialization, single business structure; Product innovation is insufficient; Three is the lack of professional insurance intermediary marketingpersonnel, personnel quality good and bad are intermingled, the overall degree is low, at the same time,marketing staff lack of job security and a sense of belonging; Four is the insurance agency business illegalphenomenon is widespread, such as: business fraud, direct business virtual hang intermediary business;Financial data distortion, show the huge fees amount; High operating costs because of the intermediarybusiness irregularities, eroded corporate profits. Especially happened in August2013, the shock ofShanghai xin flight insurance agency co., LTD. Executive with money and events, reflects the problemsexisting in Chinese insurance agents, specific include: the insurance intermediary industry developmentmode to the great leap forward, blindly pursuing big, fast and strong; Seriously filled with informationasymmetry in the market, especially the insurance intermediary companies lack of good faith; Regulatorysupervision does not reach the designated position; Flood insurance rebate phenomenon.These problems of the whole insurance industry, consumers, the development of the insuranceintermediary companies are bad. In this case, relative to the characteristics of the short development historyof domestic insurance intermediary, in Britain, the United States and Japan as the typical representative offoreign developed countries insurance intermediary market development has a long history, its valuableexperience is worth learning. Through the analysis of the agent of British mediation pattern, agents, brokerscoexist mediation patterns in the USA and Japan agent intermediary model, draw experience and lessons,and found that: one, the insurance intermediary has an irreplaceable role in the insurance market. Second,perfect the system of healthy insurance intermediary is the foundation of the insurance intermediary marketbenign development; Three basic qualities, insurance intermediary practitioners access strict review; Four,attaches great importance to the insurance intermediary industry self-discipline and the combination ofbehavior control. In view of the problems existing in the insurance intermediary market, we from the market system,establishing the cloud insurance information management system, credit system and talent cultivation infour aspects to put forward the countermeasures. Insurance agent in terms of market system, establish legalperson give priority to mediation pattern, helps the unity of the insurance regulatory management, at thesame time, we will accelerate the cultivation of insurance intermediary market main body, establishingclear property rights, well-defined right and responsibility of the insurance intermediary organization, andsets up the concept of industry, the insurance intermediary industry bigger and stronger, and form acomplete industrial chain. Innovative in terms of regulation, this article puts forward, the establishment ofcloud insurance information management system, realize the regulation innovation, relying on large datamining, and cloud computing technology, fast recognition, early warning and risk of insurance intermediarymarket, at the same time, realize the industry information, avoid a loophole in the insurance intermediarymarket, this regarding the insurance intermediary institutions, consumers, regulators are necessary. Integritysystem, respectively from the macro, meso and micro three aspects to build the insurance intermediarycompany honesty culture industry, establish insurance intermediary credit management specializedagencies as soon as possible, give full play to the industry association of credit management function. Interms of talent training, strengthen cooperation with colleges and universities cultivate high-quality,innovative insurance intermediary personnel, establish a high-level, export-oriented insurance intermediaryprofessional talent education and training system, in colleges and universities take full advantage ofinsurance intermediary company powerful teachers strength and improve the training mechanism, at thesame time, the implementation of talent introduction and training of combining the talent strategy, to attractinnovative management talents to join, to strengthen vocational training education, provide insuranceintermediary industry with a large number of talents.