Study On The Problem Of Strengthening Supervision Of Insurance Intermediary In China

Under the background of rapid development of market economy,China's insurance industry has made great progress and formed a trend of diversified development.The insurance intermediary in the insurance product sales and claims service to provide professional services,but also exposed some problems to be solved.The behavior of the insurance intermediaries is not only related to the interests of the insurer,but also has a significant impact on the insurance consumers.Regulatory authorities should strengthen the supervision of insurance intermediaries to reduce existing problems,to ensure the interests of policyholders and the healthy operation of the insurance intermediary market.Macro perspective,China's insurance intermediary supervision is still in the early stages of development,in the aspect of system,content and supervision mode has some problems:after the market access system of insurance intermediary differences;insurance intermediary related legislation is not perfect;government regulation measures and efforts need to be strengthened;the lack of guidance of insurance intermediaries,etc..To some extent,it restricts the development of insurance intermediary.The government,as the main body of the insurance intermediary,should establish and perfect the laws and regulations of the insurance intermediary supervision,and supervise and manage the insurance intermediary behavior and the market order.The foreign insurance market development has been relatively mature,the insurance intermediary market structure is relatively perfect,even in developed countries such as Britain,the United States and Japan's insurance intermediary market supervision mechanism and legal supervision mode and the contents of each are not identical,but the advanced insurance intermediary supervision experience is worth learning and learning.Our government should strengthen the supervision and management of the insurance intermediary.improve the construction of the insurance intermediary supervision system,the transformation of government functions to the insurance intermediary services,strengthen self-discipline,exercise coordination function,strengthen social supervision,establish a sound credit rating;the insurance intermediary system of laws and regulations,learn from foreign advanced experience,appropriate to relax the access.promote insurance intermediary practitioners of diversified management,combing the relevant laws and regulations,strengthen the construction of internal control system of insurance intermediary institutions;rich insurance intermediary market supervision means,in legal means,supplemented by administrative means,economic means to supplement,according to the law,moderate and fine.It is of great practical significance for the development of China's insurance intermediary to put forward reasonable countermeasures and suggestions for the supervision of insurance intermediaries.