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保险市场是一个严重信息不对称的市场,从理论上讲引入保险中介后的保险市场,对于优化资源配置,提高市场效率,减少信息不对称等应有积极作用。但由于我国保险市场主体的增加、成份的复杂、保险中介与投保人、保险人不同的利益目标使机会主义倾向增强,监管不严又使市场信息不对称性变得更加复杂和严重。本文将主要探讨如何减小保险中介由于信息不对称所带来的信用危机,构建和谐发展的保险生态圈,促进我国保险业持久稳定的发展,以求通过一系列的改革、创新和完善,更好的推进我国保险业服务和谐社会建设、造福广大人民群众.
The insurance market is a market with serious information asymmetry. Theoretically speaking, the introduction of the insurance market after insurance intermediation should play a positive role in optimizing the allocation of resources, improving market efficiency and reducing information asymmetry. However, due to the increase of the main body of insurance market in our country and the complex composition, the different interest objectives of insurance intermediaries, policyholders and insurers increase the tendency of opportunism, which results in more complicated and serious market information asymmetries. This article will mainly discuss how to reduce the credit crisis brought by the asymmetric information of insurance intermediaries, build a harmonious ecological insurance circle, and promote the long-term and stable development of China's insurance industry. Through this series of reforms, innovations and perfections, more Good to promote China's insurance industry to build a harmonious society for the benefit of the broad masses of the people.