关键词: 保险市场, 保险中介, 风险控制, 有效监管, 对策研究

Abstract: Though there exists strong momentum of development in both the main body of business, business scale and service areas of Chinas insurance agency, there are still such problems as illegal arbitrage, fraud and other malpractices behind the rapid growth, due to the late start, weak foundation and nonstandard market development. As a matter of fact, the reason for that mainly lies in weak supervision. The studies find that the main factors affecting the effective supervision over insurance agency effectiveness are regulatory failures, regulatory model defects, regulatory information asymmetry and imperfect regulations. Therefore, its suggested that in order to promote efficiency of supervision, further standardize the market and restrain the illegal acts related to fraud of insurance agency, we should build supervision mechanism of incentive and constraint, realize the regulation and development, improve optimize the regulation means, implement coordinated regulation and promote the innovation in regulation.

Key words: insurance market, insurance agency, risk control, effective supervision, countermeasures research