Research On Supervision Of China Insurance Broker

Insurance broker as the integral part of the insurance intermediary, between the parties to an insurance plays an important role, to solve the problem of information asymmetry between the insurer and the insured has an irreplaceable role. At present, the development of the insurance brokerage industry in China has made certain achievements, the industry body number keeps increasing, the industry profit level remained stable growth, insurance brokers to achieve premium accounts for the total premium ratio stable at around 2.5%. In terms of regulation, at present, the China insurance regulatory commission and other groups further monitoring, make the behavior of the insurance broker is restricted by legal and provides guarantee for the effective operation of the whole market.But at present our country insurance brokers development at the primary stage, the domestic rare competitive insurance brokerage company, more than four hundred insurance brokerage companies are of variable quality; Insurance broker business at the same time more emphasis on came up with the insurance agent for the customer, all kinds of irregularities, published every year, circ punishment cases, serious harm the insurance broker industry image, make the development of insurance broker. On On August 10,2014, the state council promulgated the insurance industry "ten new countries" to fully give play to the role of insurance intermediate market, improve their professional ability, better service to the customers. The development of the insurance broker will have a better development opportunity. At the same time, the rapid development of the insurance brokerage market needs and matching of regulatory system, strengthen the supervision of insurance broker is not only the need of the healthy development of insurance industry, also is the inevitable request of financial liberalization, interest rate marketization. In-depth study of China’s insurance broker regulation, to protect the rights and interests of the insured and the insurer, to maintain the image of the insurance broker industry and promote the healthy development of the insurance industry has very important significance.Based on big embellish insurance brokers in pyramid selling case study of insurance broker regulatory problems. The first part is introduction, introduces the research background, research significance of this article, literature review, innovation and deficiency. The second part is the case introduction, introduces the big embellish insurance brokerage company in the case of "pyramid". The third part is case analysis, the paper analyzes the status and problems of the current regulation of insurance brokers in China. The fourth part is the international experience and enlightenment to China, are introduced Britain, America, Japan advanced international insurance broker regulation experience, and summed up the regulation of insurance agent of several enlightenment for China. The fifth part is to perfect our country insurance agent regulation put forward countermeasures and Suggestions. Aims to build scientific and reasonable regulatory system, more effective government supervision and social supervision, prompting health insurance brokerage industry growing in our country, make the development of insurance intermediary market will be improved.