| With the increase of the insurance subject,the development of the small and medium insurance enterprises meets the bottleneck.The scale,economic strength and brand are different from those of the large enterprises.And more,there are some problems in their own.In order to compete with large insurance companies,they must strengthen cooperation with intermediary agencies with the advantage of strong professional,flexible management and wide distribution.As cooperation can expand insurance demand,active insurance market and improve insurance service.However,there are some problems in the cooperation mode between intermediary companies and insurance companies,such as long-term service,short-term inefficiency and loose.In order to realize the leapfrog development of small and medium insurance companies,the cooperation between medium and small insurance enterprises and intermediaries should be strengthened only with good social environment,a perfect legal system and a healthy and orderly market management system.This article is divided into 4 chapters.The first chapter is introduction,which mainly introduces the research background,significance,theoretical overview and the innovation and deficiency of this article.The second chapter analyzes the opportunities and challenges faced by small and medium-sized insurance companies based on the market scale,it also analyzes the advantages and disadvantages of insurance intermediary companies.The third chapter discusses the necessity of cooperation between small and medium-sized insurance companies and intermediary agencies,and discusses the problems existing in the cooperation and the impact of new policies on the cooperation between them.The fourth chapter explores the traditional cooperation modes of small and medium-sized insurance companies and intermediaries at home and abroad,and analyzes the new cooperation modes of developed countries.The fifth chapter discusses the problems existing in innovation cooperation model at home,and analyzes how to deepen the cooperation based on the market perspective,and discusses how to avoid the cooperation risk based on the regulatory perspective.The sixth chapter summarizes the full text and puts forward reasonable suggestions for establishing a long-term and effective cooperation mechanism.This paper analyzes the cooperation status of medium and small insurance enterprises and intermediary companies,and probes into the innovationdirection of the future cooperation model drawing lessons from the successful experience of developed countries.The purpose of this paper is to explore a good way of cooperation between small insurance companies and intermediary companies,to achieve a win-win situation,and to promote the healthy and orderly development of the insurance industry in China. |
