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一、市场经济要求建立保险中介行业。 我国经济体制改革的目标,是建立社会主义市场经济体制,作为第三产业的保险事业,也应遵循市场经济的规律。市场原则就是竞争,市场观念就是盈利观念。企业是市场的主体,其生存发展是靠市场盈利,否则,就被淘汰。保险公司同样必须确立市场原则观念,通过参与市场竞争,去求生存求发展。这样一来,保险企业就面临一个如何适应市场竞争需要的问题。加之,随着保险市场发育与完善,必然派生出一股冲击传统经营保险的新生力量。这种新生力量,无疑是善于综合分析和把握保险市场价格(费率)的经营者。这些经营者,既有保险企业内部的能人,也有社会上的保险专家。这些能人和专家,必然随着市场经济的发展而有所选择。保险企业内部如果高度重用这些能人,他们将继续为本企业的业务发展而卖力,否则,将另有所选择。社会上的保险专家为了发挥自己的专长,也必然寻找用武之地,自发地或有组织地建立保险中介机构,为保险人或被保险人提供优质服务。目前,深圳特区已有保险中介公司近20家,这就是一个例证。为此,建立保险中介行业是市场经济的客观要求。
First, the market economy requires the establishment of insurance intermediary industry. The goal of China’s economic structural reform is to establish a socialist market economic system. As the insurance industry of the tertiary industry, we should also follow the law of the market economy. Market principle is competition, market concept is profit concept. Enterprises are the main body of the market, its survival and development is to rely on the market profit, otherwise, be eliminated. Insurance companies also need to establish the concept of market principles and strive for survival and development through participation in market competition. As a result, insurance companies face a problem of how to adapt to the needs of market competition. In addition, with the development and improvement of the insurance market, it is bound to derive a new force that has hit the traditional insurance business. This new force is undoubtedly a good operator who can comprehensively analyze and grasp the insurance market price (rate). These operators, both within the insurance business people, but also social insurance experts. These experts and experts are bound to choose with the development of the market economy. If the inside of insurance companies highly reuse these people, they will continue to work hard for the development of the business, otherwise, will have another choice. In order to give full play to their expertise, insurance experts in the society must also look for places where they can not help themselves and establish insurance intermediaries spontaneously or organizedly to provide quality services to the insurer or the insured. At present, there are nearly 20 insurance agency companies in Shenzhen Special Economic Zone, which is an example. To this end, the establishment of insurance intermediary industry is an objective requirement of market economy.