当前,随着保险中介市场的快速发展,市场风险状况不容乐观,一般性风险普遍存在,个别机构因严重违法造成的风险已相当严重,同时,因保险中介经营模式创新引发的风险也不容忽视。这些风险如不能采取有效的监管措施加以控制,势必对保险中介市场平稳健康发展带来严重冲击。为此,应加快完善监管法律法规和制度,严格市场准入并建立有效的市场退出制度,强化保险公司对代理机构和保险营销员的管理责任,改革现行个人保险营销体制,细化从业人员资格考试,实行从业人员分级管理,充分发挥行业协会的自律职能。 At present, with the rapid development of the insurance intermediary market, the market risk conditions are not optimistic, the general risks are widespread, and the risks posed by individual agencies due to serious violations have been quite serious. At the same time, the risks arising from the innovation of the insurance intermediary business models can not be ignored. If these risks can not be controlled by effective regulatory measures, it is bound to have a serious impact on the smooth and healthy development of the insurance intermediary market. To this end, we should speed up the improvement of laws, regulations and systems for supervision, strictly control market access and establish an effective market exit system, strengthen the management responsibilities of insurance companies for agencies and insurance marketers, reform the current personal insurance marketing system and refine the qualification of employees Examinations, the implementation of hierarchical management of practitioners, give full play to industry associations self-regulatory functions.