我国保险市场发展研究摘要积极发展保险中介市场，完善保险市场组织体系是中国保险业发展的重中之重。总体来看，我国保险经纪行业在中国的实力还比较小，自身的发展战略以及发展方向，不仅影响了保险经纪行业本身的发展，低层次的保险业限制在一定程度上还有竞争和其他问题。本文分析了中国保险市场的发展现状，指出了中国保险经纪市场的弊端，进一步完善国内保险中介市场的具体手段是改善法律环境，规范业务，我们建议保险经纪协会的成立和行业自律的实施。提高专业意识，提高服务意识，发展国内外保险经纪部门的国际合作伙伴关系，扩大宣传力度，加强市场调节行为。总的来看，保险经纪行业作为朝阳行业中的朝阳，需要我们用心去呵护去经营。保险经纪行业通过本身的优越性，在不久的将来，将会迸发出强劲的发展动力。【关键词】保险经纪业问题对策发展AbstractVigorouslydevelopingtheinsurancebrokeragemarketandimprovingtheinsurancemarketorganizationsystemhavebecomethetoppriorityforthedevelopmentofChina'sinsuranceindustry.Onthewhole,thestrengthofChina'sinsurancebrokerageindustryisstillrelativelysmall,andtherearedeviationsindevelopmentorientationanddevelopmentdirection,aswellaslow-levelcompetitionandotherissuesthatnotonlyaffectthedevelopmentoftheinsurancebrokerageindustryitself,butalsorestricttheinsuranceindustrytoacertainextent.Benigndevelopment.ThispaperattemptstoanalyzethedevelopmentstatusofChina'sinsurancemarket,pointsouttheshortcomingsofChina'sinsurancebrokeragemarket,andproposesthatthespecificmeasurestofurtherimprovethedomesticinsurancebrokeragemarketare:improvethelegalenvironment,standardizeoperations,establishaninsurancebrokerassociation,andconductindustryself-discipline.Toenhanceprofessionalismandenhanceserviceawareness;developinternationalalliancesofinsurancebrokeragedivisionsathomeandabroad;expandpublicityandstrengthenmarketcoordinationactions.Ingeneral,theinsurancebrokerageindustry,asasunriseinthesunriseindustry,requiresustocareforit.Theinsurancebrokerageindustrywillexertstrongdevelopmentmomentuminthenearfuturethroughitsownsuperiority.Keywords:Insurancebrokerageindustryproblemcountermeasuredevelopment.目录前言..................................................1一、我国发展保险经纪行业的必要性......................1（一）有利于保护投保人利益，提供风险管理服务...........2（二）有利于保险产业分工，促进保险创新.................2（三）有利于促进保险资源优化配置.......................2二、我国保险经纪存在的诸多问题........................3（一）保险经纪公司自身约束不足.........................3（二）行业道德较差.....................................3（三）人员整体素质偏低.................................4（四）市场竞争加剧，风险防范更难.......................4三、保险经纪问题的解决对策............................5（一）注重长远发展.....................................5（二）加强资格准入考试与继续教育建设，提高整体人员素质.5（三）坚持诚信原则，提升专业水平，加强服务意识.........6（四）准确进行市场定位.................................7（五）完善人员激励机制.................................7（六）业务拓展策略.....................................7结论..................................................8参考文献..............................................9前言作为典型的信息市场，保险市场在利益相关者获取的信息中存在不完善或不对称，使得保险资源无法实现合理分配。促进诸如道德风险之类的不利选择和问题。目前，保险市场要求公平客观的人群解决保险方信息不对称问题，这类人称为保险经纪人。从发达国家保险市场的发展来看，我们可以总结出保险越发达，保险中...
