【作者】 叶安照；

【导师】 林元辉；

【作者基本信息】 广西大学 ， 金融学， 2003， 硕士

【摘要】 以经济学相关理论分析我国保险中介市场现状，可以看出该市场具有供给相对不足，结构失衡，需求水平尚欠提高的矛盾。同时，由于监管制度供给不足，市场激励机制建设滞后，还导致市场中各主体经营行为短期化、违规违纪现象严重的问题，这甚至造成了保险业的诚信危机，引发局部的退保风潮，个别险种因而退出市场，严重损害了保险人、被保险人的利益。 本论文认为，解决问题的关键，一是学习和借鉴保险业发达国家的先进经验，正确分析我国市场需要的基础上，以相关经济理论为指导，以发展多种组织形式的专业保险中介人作为主导策略，正确选择并构建适合我国国情的保险中介市场模式；并根据我国经济体制改革的渐进式路径及其强制性制度变迁特色，强化政府主导力量的作用，在完善保险业相关法律法规制度建设的基础上，通过建立等级资格认证与从业制度，以建设规范的保险中介市场价格体系；通过建立强制性的专业知识培训以提高从业队伍素质等，达到激励与约束保险中介人的供给的目的；同时，通过激发和提高国民保险意识，增强社会保险需求，在有效的监管下，优化市场的选票机制，促进市场的供求互动与良性循环发展。二是以激励理论为指导，加强保险法律法规建设以增强监管制度的供给，通过建设、完善并实施保险中介人职业责任保险制度、保险中介机构市场退出制度与实施机制，通过建设高 效的保险中介人信息披露制度及其实施机制，以强化制度对保险中介 人展业行为的激励与约束，从而达到加强保险中介市场监管的目的， 促进市场平稳有序地发展。 论文主要采取了定性分析的方法，运用相关经济学理论对市场 的现状及其发展思路进行论证，并提出苦于政策建议。其中应用信息 经济学中激励约束机制建设理论，对市场现状以及相关对策建议所进 行的分析和论证，是本文有别于前人的一个创新。更多还原

【Abstract】 Analyze the current situation of intermediary market of insurance of our country with the theories of economics, we can find out that the market supply is insufficient, the structure is out-of-balance, and the demand level still owes the contradiction improved. Moreover, because the supervisory system is supplied insufficiently, the construction of incentive mechanism of the market lags behind, the deregulation behavior of the insurance intermediaries is grave, and this has even caused the cordial crisis of the insurance industry, arose local cancel unrest, a certain kind of insurance police was retreated out of the market. It is seriously harmful to the interests of the insurer and the insured.It is regarded in the theses that the key to solve the problem is to study and use the advanced experience of the developed insurance markets for reference, analyze correctly the exact needing of ourcountry on the foundation of the economic theories as guide. And it is regarded that the leading tactics is to develop the kinds of form of professional insurance intermediaries’ organizations, to choose and construct the suitable modes of insurance intermediary market base on the national conditions of our country correctly. And according to the progressive routes and mandatory system changes characteristics of the economic system reform of our country, it is important to strengthen the function of government’s leading strength on the basis of perfecting insurance’s relevant laws and regulations institutional improvement, setting up the qualification authentication and obtaining employment in order to build normal pricing system of insurance intermediary markets, setting up the mandatory professional knowledge training program to improve the Team’ s quality so as to achieve the goal of encourage and restrain the insurance intermediary supply. Moreover, it is important to strengthen the demand of social through exciting and improving the consciousness of national insurance, to optimize the ballot mechanism of the market under the valid supervision to promote the benign cycle of the supply and demand of the market.Secondly, it is regarded important to legislating the insurance laws and regulations so as to strengthen the supply of the supervisory system guided by the motivational theory. And it is important toperfect and enact the system of professional liability insurance of the intermediaries, implement the mechanism of withdrawing from the market, perfect and implement the system and mechanism of high-efficient information announcing, so as to strengthen the function of the system to encourage and restrain the behavior of the intermediaries, and then achieve the purpose of strengthen the intermediary market supervision, promote the market to develop steadily and orderly.The current situation is proved and the development polices and suggestions are put forward in the theses based on the relevant economics theories and by the method of qualitative analysis mainly. Base on the encourage theory, the current situation and suggestion is analyzed and demonstrated, and this is the innovation of the theses.更多还原