Chinese Insurance Profession Autonomy Research

The modern insurance industry developed from the marine insurance of 14, 15 century, now has become an important component of the national economy. The insurance industry autonomy plays a vital role in the development of the insurance industry process. China's insurance industry got a late start, and encountered more problems in practice, the most prominent problem in the insurance industry autonomy is a relatively low level, it has become one of China's development of the insurance industry's Achilles heel. This paper analyzes the origins of the insurance industry autonomy theory, based on the successful experience of developed countries to strengthen insurance industry autonomy. The text consists of three parts:The first section sets out the basic theory of autonomy. The part is divided into two sections, the first section starting from the history of the insurance industry autonomy, explain the concept of the insurance industry's autonomy, summed up the role of autonomy of the insurance industry; The second section will examine the theoretical basis for the insurance industry autonomy. The theory is based primarily on the insurance industry self-autonomy theory and the largest public credibility theory, autonomy theory and the theory it is the largest public credibility in the formation and development of the western countries. It was based on the development and maturity of these two theories that the insurance industry will grow to the size of today. Honesty is the prerequisite for industry self-discipline, and the insurance industry because of their own characteristics, but also to be the basis of the greatest integrityThe second part is a comparative analysis of insurance industry experience and the success of our self-enlightenment. The parts are divided into three subsections. The first section has discussed overseas in the insurance business autonomy successful procedure, although developed country in insurance business autonomy procedure different, but also has something in common. For instance, all takes the insurance business autonomy the legislation construction, all takes to display the insurance business association the function, all takes the standard to insure intermediary's behavior and so on, these procedures without doubt all have the model significance to our country; The second major section of the self-insurance industry, points out that China's insurance industry autonomy as a whole is mainly low rate of payment, insurance product design is not reasonable, does not regulate insurance claims, the insurance intermediary services norms and regulations surrender; The third section summarizes the advanced experience of foreign insurance industry autonomy on useful enlightenment.The third part based on the former analysis of the text, expounded the insurance...