Research On The Supervision Of Insurance Intermediary Institutions In China

As the trend of socialization production increasingly prosperous,industry gradually appear in careful division of work requirements,insurance industry is no exception.From the insurance market main body,can be divided into the policy-holder and insurance and the insurance intermediary tripartite,Can be divided into three kinds of insurance agents,insurance brokers,insurance assessors,in the process of promoting the development of the insurance market plays a unique role.If the insurance intermediary subdivided again,and can be divided into the insurance agent and insurance broker,insurance assessor face three,between and among both contact each other and are independent of each other,plays a different role in the insurance intermediary market,thus forming a kind of organic operation mechanism,has become a part of the insurance market is irreplaceable.Visible,insurance companies and insurance intermediary institutions between business enough to reflect the level of intensive management of the securities market and professional skills.But since the end of the 20 th century,China's insurance brokerage industry just began to grow,and so far only had less than 20 years of wind and rain,and because the industry chosen points more hasten is meticulous,machinery for maximum by the interests of the parties demand,meet the needs of the insurance equal independent relationship between supply and demand both sides,the growing need to have a set of complete insurance intermediary supervision system as the backing,especially the law of supervision should be to more attention.Certainly,the existing legal system of insurance intermediary supervision in the regulation of insurance intermediary market behavior played an important role.Especially promulgated the new “insurance law” in all levels of insurance intermediary has made a more detailed rules.But the law determines the existing laws and regulations lag is difficult to meet the needs of the current situation of the development of insurance intermediary,and in the insurance market environment,still can appear more problems.In terms of international environment,international market becoming mature,foreign capital to actively participate in,the more requires us to set up as soon as possible and docking of the insurance intermediary industry related regulation,seize the opportunity,meet the challenge,for the insurance intermediary industry internationalization,specialization and modernization cleared.At the same time,deepening and refining the relevant laws and regulations for the level of the insurance intermediary supervision,introducing the model function of the judicial practice at home and abroad,and combined with the existing domestic insurance intermediary industry,can put forward more scientific and reasonable basis for regulatory measures.