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On the Construction of the System of insurance intermediaries and regulatory

Author: WangJuan
Tutor: SunRong；ZhaoDeWu
School: Southwestern University of Finance and Economics
Course: Finance
Keywords: Insurance agent insurance intermediary system system system Assessors system for insurance brokers
CLC: F842
Type: Master's thesis
Year: 2000
Downloads: 405
Quote: 1
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Abstract

In China, insurance intermediary has made a rapid development in recent years and played a more and more important role in insurance market, and perfecting the insurance intermediary system has become the focus of the society. Generally speaking, the insurance intermediary includes insurance agent, insurance broker and insurance adjuster. In this dissertation the author will discuss on the setting up of system for the insurance intermediary according to the situation of our country. This dissertation consists of four chapters:Chapter one: the status quo of the insurance intermediary of our country.This chapter is a summary, mostly for introduction. This part introduces the general situation of development of insurance intermediary in our country at first, indicates some problems existed in this field, and with view to the necessity of establishing a norm system of insurance intermediary.Chapter two: the system and supervision of insurance intermediary in foreign countries.This section introduces the system of insurance intermediary in America, England and Japan. Compare the differences among them, we can know these differences have something with their own culture, economic and developing history. Of course, this section also studies the supervision of the insurance intermediary in abroad. So we can absorb the quintessence and consider our own actual situation.Chapter three: structure the insurance intermediary system in our country.This chapter will emphasize the concrete construction of the insurance <WP=8>intermediary system in China. There are four sections.Section one: the author analyses all kinds of factors, such as present political and economic environments in Chinese insurance market, and the Chinese culture and customs, that affecting the development of insurance intermediary and gives the perfect model of insurance intermediary system.Section two: the detailed developing model of insurance agentThis section first discusses the developing model. For life insurance, the individual agent and special agent are the main roles, while the part-time agent is in limited development. For general insurance, the special agent and the part-time agent are the primary power, while the effect of individual agent is very small. Secondly, the section talks about the practical setup and operation of the insurance agent system from the following factors: 1,the type and the business scope of insurance agent; 2,the active principles of agent; 3,some problems that consider in the activity of agent.Lastly, this section gives some suggestions about how to perfect the present insurance agent system.Section three: how to establish the insurance broker systemStrictly speaking, the broker system hasn’t set up in China, but setting up a norm insurance broker system is necessary. In this section, the author think the developing model should be the insurance brokerage firm, and in the initial stage, the individual brokers cannot be existed, of course the business of broker should focus on the general insurance. Secondly, the section discusses how to establish the broker system, include these aspects: the organization, the principal part system, and the operating principles of the insurance broker. Lastly, considering the status quo of China, the section also put forward some strategic plans about developing the broker system.Section four: setting up the insurance adjuster systemFirstly, this sections certain the market position of insurance adjuster <WP=9>through viewing the main-part position, market function and market qualification of adjuster. Secondly, in the detailed establishing the insurance adjuster system, this section mainly discusses the organization, business of insurance adjuster and so on. Lastly, the author gives some opinions about how to develop the insurance adjuster system.Chapter four: supervision on insurance intermediarySetting up of a system for the insurance intermediary management can regulate and promote the development of insurance intermediary. This chapter adva

On the Construction of the System of insurance intermediaries and regulatory

Abstract

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