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我国保险中介业的创立背景在1993年3月首家全国性保险中介公司——华泰保险咨询服务公司成立之前,所有保险公司的展业、承保、管理、理陪、追偿都是自己操作,实行一条龙的经营模式。由于市场准入条件比较高,且保险公司长期形成了固有经营模式,到1998年国内只有两家保险中介机构。一直到2002年下半年,保监会开始对保险中介机构进行日常化审批,保险中介大量涌现。从2005年1月份开始,中国保监会把批准保险代理的权限下放到各地保监局,更加促进了中介机构的发展。截至2005年6月底,全国共有专业保险中介机构1565家,其中保险代理公司1124家,保险经纪公司234家,保险公估公司207家。从保险中介的业务经营情况看,增长的趋势也是十分明显的。
Background of the Founding of China’s Insurance Intermediary Industry Before the founding of the first national insurance intermediary company - Huatai Insurance Consulting Service Company in March 1993, all insurance companies engaged in exhibitions, underwriting, management, Dragon business model. Due to the relatively high market access conditions and the insurers’ long-term inherent mode of operation, by 1998 there were only two insurance intermediaries in China. Until the second half of 2002, the CIRC began to routinely approve insurance intermediaries, and a large number of insurance intermediaries emerged. From January 2005 onwards, CIRC has delegated the authority to approve insurance agencies to insurance regulatory agencies throughout the country, further promoting the development of intermediaries. As of the end of June 2005, there were 1565 professional insurance intermediaries in China, including 1124 insurance agencies, 234 insurance brokerage companies and 207 insurance assessment companies. From the insurance intermediary business operations, the growth trend is also very clear.