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保险中介是指介于保险经营机构之间或保险经营机构与投保人之间,专门从事保险业务咨询与招揽、风险管理与安排、价值衡量与评估、损失鉴定与理赔等中介服务活动,并从中依法获取佣金或手续费的单位或个人。而作为一种制度安排,保险中介普遍存在于发达保险市场之中,这有利于交易双方和整个社会福利的提高。本文从分析保险市场普遍存在的保险代价问题入手,从定性和定量的角度探讨分析了规范、完善的保险中介制度可以提高社会的整体福利水平。
Insurance intermediaries refer to intermediary service activities between insurance operating agencies or insurance operating agencies and policyholders, specializing in insurance business consulting and solicitation, risk management and arrangement, value measurement and evaluation, loss appraisal and claim settlement, A unit or individual that receives a commission or fee. As a kind of institutional arrangement, the insurance intermediary is ubiquitous in the developed insurance market, which is beneficial to the improvement of both parties to the transaction and the social welfare as a whole. This article begins with the analysis of the insurance cost which is ubiquitous in the insurance market, discusses how to regulate and improve the insurance intermediary system from the aspects of qualitative and quantitative analysis, and improves the overall social welfare level.