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On the Chinese insurance market, the living space brokers

First, China's insurance broker existing problems 1. At home, the insurance broker's quality, image and social status are far inferior to Western counterparts, it is difficult to imitate others through the means to achieve appropriate insurance brokerage industry is not the formation of self-discipline, delayed the relevant legal regulations, the insurance brokerage firm in an awkward position. 2. Foreign insurance brokers doing business in the country illegally, a lot of foreign business into the hands of the shareholders and foreign shareholders of the company's brokerage business is the development of the two insurance brokerage firm foundation. Illegal insurance intermediary activities, in addition to causing an outflow of a large number of premiums, but also the fees, commissions and other consulting fees are paid directly to the outside,[link widoczny dla zalogowanych], to avoid state taxes, which seriously damaged the national interests, but also to China's insurance brokerage firm survival and development more difficult. Chinese papers League finishing. 3. Because of the lack of understanding of the industry and the prejudice of the insurance industry, many customers the role of insurance brokers are not recognized; theory, the insurance broker is conducive to the insured with a minimum premium for maximum protection . However, in practice, some policy holders that the brokerage commissions paid by insurance companies though, but the fleece, not directly to brokers and insurance companies can also save the commission. 4. The function of insurance companies , and even insurance companies insurance broker joint exclusion. 5. In order to compete, insurance brokers and insurance agents overlapping functions, ill-defined. Sum up, China's insurance broker of the day from birth to congenitally deficient, and the development of acquired disorders, External and internal situation of China's insurance brokerage firm decision to present the biggest problem is the Where is their living space? Insurance brokers in the insurance industry to pinpoint their location in the chain to prove the reasonableness of their own existence and necessity, mainly from two aspects: First, the external living environment to improve their own; first practice provide customers with better services and solutions. Second, to improve the survival of the insurance brokerage firm's external environment 1. Rationalize the insurance company and the relationship between insurance brokers and establish a Insurance brokers are facing a big embarrassment is not the same relationship between the insurance company to handle. From the international insurance industry experience,[link widoczny dla zalogowanych], the insurance company's main function is to product development, risk management and capital operation, the company through effective risk management and capital operation, expansion capital, improve the solvency and capital strength, to get a good reputation in the market , with the broker to establish a good, stable relations of cooperation, establish social image and consolidate market share. Risk management, product development and capital operation ability, the insurance company's core competence, and the policy itself is not sold in this column. But the reality is - the perversion of the Function of the insurance company, follow the characteristics of enterprises large and comprehensive, yet no clear professional advantage, contract management of all aspects of insurance, and formed a particular focus to sales The department set up and staffing practices. Examine each company's departments and staffing arrangements, you will find the sales department is the most extensive, and crucial for an insurance company risk managers, investment officers and the ratio of R & D personnel insurance much less, which is the traditional extensive business inseparable. Our insurance company is mainly engaged in largely evolved into companies selling insurance products, and risk management and use of funds and other core functions of insurance companies back into weaknesses. The brokerage firm is to promote the establishment and performance of the insurance contract the way for the survival of enterprises. In the case of the insurance company's main sales, the insurance intermediary operating difficulties can be imagined. Insurance companies to brokerage firms appear as an infringement of their sales channels, how can we not reject! The insurance company made a big mistake: failure to find their own competitive advantage, yet complementary who as a competitor. When the video first appeared, it as a great threat to Hollywood, then the fact that the video created a movie rental market, and now has 120 billion dollars in this market size and potential revenue to Hollywood magnified 3 times. Most policyholders are not insurance experts, there is always the problem of asymmetric information, customers wary of insurance companies will not be completely eliminated, when the agent's status will be prominent. Insurance companies and insurance brokers do exist between a competitive (competition), but more important is cooperation (cooperation), then the birth of a new management concept - Insurance companies and brokers work together to the insurance a bigger cake, then some rules of the game through the distribution of the cake, so as to benefit the most from both sides, which is the key point of competing. To do this,[link widoczny dla zalogowanych], insurance companies have to divest some of the functions of its outsourcing (outsourcing, or resources to achieve lower costs, improve productivity, increase capital efficiency and enhance rapid response capacity of the environment as a management model), the brokerage firm, but also for the survival of their own to provide a broader space. 2. Make the market the Enlightenment, the inertia to change behavior,[link widoczny dla zalogowanych], completely changed the insurance market of the first 20 years the pattern of unilateral shipped to the formation of a habit is difficult, but more difficult to change a habit. Insurance companies and consumers are used to directly negotiate business, change in consumer buying habits are also insurance companies and insurance brokers Function of the smooth realization of an important guarantee. To this end, the insurance broker shall, together with insurance companies, insurance agents, insurance assessment companies and insurance industry organizations to increase awareness and enhance consumer education, foster a sound insurance market environment. Of course, ultimately have to rely on brokers to quality services so that customers feel better through insurance brokers insurance directly from insurance companies to buy insurance. Since the 80 years since China's insurance market, insurance companies have the final say should be said that the market, because in most of the insurance transaction, whether the terms of coverage, rates,[link widoczny dla zalogowanych], or the insurance valuation of the subject and claims of loss means the amount of compensation determination, almost all insurance companies have the final say. The unilateral nature of the market behavior, not only the lack of transparency in the market itself, but also unfair to Newcastle. Insurance brokers market debut, perfectly justifiable reasons for the insured to take charge of the insured risk, hammers and pitch, no doubt to tilt the market structure that provides support for a balanced chips. As a broker representing the interests of the insured, the insurance operation to increase the transparency and fairness to do, insurance companies no longer had a final say. 3. Improve the legal environment for insurance intermediaries, standardize the market economy is the rule of law competitive economy has become commonplace. The cliche is often the greatest truth. Not a just, fair and transparent legal environment, will increase the insurance market, the opportunistic behavior of all participants, and ultimately lead to 4. Speed up the process of market rates to the issue of market rates is the scope of insurance regulation, and insurance regulatory in nature and belongs to the laws and regulations of the area, but this issue is extremely important, a separate analysis is necessary . One of the main functions of the brokerage firm is in a different insurance company to its customers in the Therefore, the regulation of insurance companies should focus on solvency, the relaxation of policy terms and rates restrictions, greater autonomy to the insurance company, which is to improve the insurance intermediary market, a necessary condition. Insurance broker as an independent interest group should put forward their own interests righteous claim for their own survival and development space to develop, then they would do the following: lobbying (with the government regulatory authority), communication and coordination (with the insurance company), publicity and education (with insurance customers). Mentioned above, the main and the external environment to create and improve the related, but, in essence, the external environment is not controllable, the broker can really grasp the program, speak with the facts to prove his worth. Third, drawing on international experience, and actively expand the operating space insurance broker 1. Reinsurance broker reinsurance market intermediaries to provide reinsurance for the ceding company, including the ceding company to help determine their reinsurance needs; arrangements reinsurance plan to meet their reinsurance needs; looking to provide reinsurance needs of the market; on behalf of separation of people (the insurer) negotiate terms of the contract to determine coverage and to provide other innovative services and so on. Ceded reinsurance brokers can provide comprehensive services
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