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保险代理机构在综合实力、经营管理方面存在较大的差异性,有必要对保险代理机构进行分类分级。实现对保险代理市场主体的细分。同时,保险代理机构的快速发展也对保险监管提出更高要求,实施分类监管重要性日益显现。为有效实施分类监管,必须建立科学的保险代理机构分类评级指标体系,提高保险代理机构信息化建设水平,为分类监管提供定量标准和依据。实施保险代理机构分类监管,有助于保险监管机构提高监管效率、实现“扶优限劣”监管目标,实现监管方式由事后监管、结果监管、外部监管向事前监管、过程监管、内控监管的转变。
Insurance agencies in the overall strength, there is a big difference in management, it is necessary to classify insurance agencies. Realize the subdivision of the insurance agency market. At the same time, the rapid development of insurance agencies also puts higher demands on insurance supervision and the importance of implementing classification regulation is increasingly apparent. In order to effectively carry out classified supervision, it is necessary to establish a scientific classification system of insurance agents, improve the informatization construction level of insurance agencies, and provide quantitative criteria and basis for classification supervision. The implementation of classification and supervision of insurance agencies can help insurance regulatory agencies to improve their regulatory efficiency and achieve the goal of “improving the quality of the products and improving the quality of the products”. The regulatory approach can be adjusted from ex-post regulation, result monitoring and external supervision to proactive regulation, process supervision and internal control regulation Change.