Study On The Regulatory Countermeasures Of Insurance Intermediaries In China

The general trend of socialized development inevitably leads to the refinement of socialized division of labor,which is also the case in the insurance industry.Insurance intermediaries are the inevitable outcome of the elaborate division of labor and prosperous development of the insurance industry.They play an irreplaceable role in promoting the development of the insurance industry and optimizing the allocation of market resources.Insurance intermediaries in the insurance industry are emerging industries.The establishment of insurance intermediaries in China originated from developed insurance countries.However,China's insurance intermediaries are still in the primary stage of market development,and there are problems such as low quality of employees,insufficient competitiveness of institutions and non-compliance in operation.Therefore,the regulation of insurance intermediaries is very important.The construction of insurance intermediary regulation is inseparable from the practice of insurance intermediary market.The development level of insurance intermediaries depends on the degree of perfection of the construction of the regulatory system.They have gone through a process from nothing to nothing,from simple to complex,and then from complex to simple,so that the regulatory concept is constantly improved,the regulatory positioning is constantly clear and the regulatory capacity is constantly improved.We've got a lots achievements,however,compared with developed countries,our country insurance intermediary supervision is still facing many difficulties,such as unsoundness of legal systems,legal norms refined and practical operability is not strong,the law and the judicial practice existence contradiction,lack of insurance intermediary industry self-discipline,etc.The existence of these problems have greatly hindered the development of the insurance intermediary industry.In the context of a sound economic environment and an increasingly mature international market,it is imperative to establish and improve a high-level regulatory system for the insurance intermediary industry.In this article,through the insurance intermediary supervision research in our country,combining with the characteristics of domestic insurance intermediary industry,draw on the lessons of experience of the actual operation at home and abroad,the author try to put forward a more scientific and reasonable countermeasures.The study shows that we can improve and enhance the level of China's insurance intermediary supervision and ability mainly from the following aspects: establish and perfect the Insurance Intermediary legal system,improve the function of industry self-discipline organization,improve the internal audit and compliance systems,strengthen the joint and several management responsibility of insurance and insurance intermediary,and strengthen diversified oversight models.