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

摘要： 我国保险中介的经营主体、业务规模以及服务领域都处于强劲发展态势。由于起步晚、基础差，其高速增长的背后隐藏着违规销售、非法套利、弄虚作假等诸多弊端，使得保险中介市场存在数量扩张迅速、质量规范不足的问题。从有效监管的视角研究相关原因及解决办法，认为现行保险中介监管存在违规成本过低、监管业务不全面、监管失灵、监管模式缺陷、监管信息不对称、监管法规不完善等现象，是影响保险中介监管有效性的主要因素；建议从改进和优化监管手段、实施协同监管、推进监管创新等方面提升监管效率。

关键词: 保险市场, 保险中介, 风险控制, 有效监管, 对策研究