【正文】 比下降 個(gè)百分點(diǎn)。其中產(chǎn)險(xiǎn)營(yíng)銷員 431202人，壽險(xiǎn)營(yíng)銷員 2906320 人。其中，產(chǎn)險(xiǎn)營(yíng)銷員實(shí)現(xiàn)傭金收入 億元，壽險(xiǎn)營(yíng)銷員實(shí)現(xiàn)傭金收入 億元。 1990年之前，我國(guó)的保險(xiǎn)市場(chǎng)除新疆兵團(tuán)保險(xiǎn)公司外，只有中國(guó)人民保險(xiǎn)公司一家經(jīng)營(yíng)，為彌補(bǔ)機(jī)構(gòu)的不足，該公司設(shè)立了眾多保險(xiǎn)兼業(yè)代理。眾多的保險(xiǎn)兼業(yè)代理機(jī)構(gòu)的出現(xiàn)，使得對(duì)其監(jiān)管直接由中國(guó)保監(jiān)會(huì)或由其下設(shè)的保監(jiān)辦來(lái)進(jìn)行很困難。某些代理人受利益驅(qū)動(dòng)，串通被保險(xiǎn)人或受益人欺騙保險(xiǎn)公司，也有的代理人獨(dú)自搞保險(xiǎn)欺詐活動(dòng)。尤其是保險(xiǎn) 公估和經(jīng) 紀(jì) ，保險(xiǎn)公估要對(duì)各類保險(xiǎn)事故的損失進(jìn)行查勘定損，涉及的專業(yè)性和廣泛性非一般人員所能勝任，它既要求有某一行業(yè)上的專長(zhǎng)，又要懂保險(xiǎn)金融方面的知識(shí)；保險(xiǎn)經(jīng)紀(jì)也 是同樣，不僅要求對(duì)保險(xiǎn)精通，還要掌握金融，法律，財(cái)務(wù)，管理，心理等方面的知識(shí)。被保險(xiǎn)人購(gòu)買保險(xiǎn)最應(yīng)該看重的是保險(xiǎn)服務(wù)，而目前這種服務(wù)多數(shù)被片面地理解為保險(xiǎn)事故發(fā)生后的理賠。 專業(yè)保險(xiǎn)中介機(jī)構(gòu)經(jīng)營(yíng)空間狹小 目前保險(xiǎn)市場(chǎng)的中介業(yè)務(wù)主要來(lái)自保險(xiǎn)兼業(yè)代理，專業(yè)中介的份額很少。 只有從深層次分析原因，解決這些問(wèn)題，保險(xiǎn)中介市場(chǎng)才能成為促進(jìn)保險(xiǎn)業(yè)發(fā)展的正面因素 。這種狀況表明我國(guó)的保險(xiǎn)監(jiān)管還存在較大缺陷，還沒(méi)有建立成熟完善的判別風(fēng)險(xiǎn)和化解風(fēng)險(xiǎn)的機(jī)制。交叉性的業(yè)務(wù)很有可能成為監(jiān)管真空地帶，盡管中國(guó)保險(xiǎn)業(yè)于近期進(jìn)行了大量的監(jiān)管制度創(chuàng)新，但這些創(chuàng)新僅是對(duì)舊的監(jiān)管制度進(jìn)行了補(bǔ)充和一 定程度的調(diào)整，改革是不徹底的。不知情的公眾也依然去購(gòu)買其產(chǎn)品，無(wú)形中對(duì)業(yè)績(jī)優(yōu)良、守法經(jīng)營(yíng)的公司構(gòu)成了一種損害，市場(chǎng)競(jìng)爭(zhēng)和優(yōu)勝劣汰的機(jī)制難以發(fā)揮 作用，長(zhǎng)此以往，其結(jié)果必然是“劣幣驅(qū)逐良幣”，要么好公司也變壞，要么好公司退出市場(chǎng)。目前，我國(guó)在這方面做得還有欠缺。選擇部分區(qū)域和部分保險(xiǎn)公司，對(duì)中介業(yè)務(wù)進(jìn)行深度調(diào)查，由點(diǎn)及面，找準(zhǔn)存在的問(wèn)題和原因，研究從制度和機(jī)制上加強(qiáng)保險(xiǎn)公司中介業(yè)務(wù)監(jiān)管的治本之策。繼續(xù)高度警惕中介市場(chǎng)的非法集資、傳銷風(fēng)險(xiǎn)，堅(jiān)持抓早抓小，保持高壓打擊態(tài)勢(shì)?？偨Y(jié)近年來(lái)兼業(yè)代理機(jī)構(gòu)監(jiān)管的新思路，切實(shí)強(qiáng)化保險(xiǎn)公司管控責(zé)任，明確保險(xiǎn)兼業(yè)代理機(jī)構(gòu)和業(yè)務(wù)監(jiān)管的基本原則和要求。根據(jù)監(jiān)管實(shí)踐，不斷完善《保險(xiǎn)專業(yè)中介機(jī)構(gòu)分類監(jiān)管暫行辦法》。 強(qiáng)化保險(xiǎn)中介監(jiān)管基礎(chǔ)建設(shè) 以新《保險(xiǎn)法》頒布實(shí)施為契機(jī)，大力加強(qiáng)監(jiān)管法規(guī)制度建設(shè)。加強(qiáng)信息化建設(shè)，改進(jìn)監(jiān)管手段。在 “ 保險(xiǎn)法 ” 這部大法之下，還需要有很多法規(guī)、辦法與之相配套。另外，國(guó)內(nèi)保險(xiǎn)經(jīng)紀(jì)公司、公估公司的發(fā)展剛剛開 始，尚未見到對(duì)其收費(fèi)標(biāo)準(zhǔn)的規(guī)定，是否考慮參考國(guó)外通常做法，結(jié)合中國(guó)實(shí)際，制定出合適的水準(zhǔn)，以使這些中介機(jī)構(gòu)能夠健康發(fā)展。t agree with the disciplinary action your employer has taken against you your employer dismisses you and you think that you have been dismissed unfairly. For more informu, take advice from one of the anisations listed under Further help. Employment tribunals are less formal than some other courts, but it is still a legal process and you will need to give evidence under an oath or affirmation. Most people find making a claim to an employment tribunal challenging. If you are thinking about making a claim to an employment tribunal, you should get help straight away from one of the anisations listed under Further help. ation about dismissal and unfair dismissal, see Dismissal. You can make a claim to an employment tribunal, even if you haven39。s antiracism taskforce, is in London for the Football Association39。s 21 win. Michel Platini, president of European football39。 May be back in the past, to oneself the paranoid weird belief disillusionment, these days, my mind has been very messy, in my mind constantly. Always feel oneself should go to do something, or write something. Twenty years of life trajectory deeply shallow, suddenly feel something, do it. 一字開頭的年齡已經(jīng)到了尾聲。 The end of our life, and can meet many things really do? 而窮盡我們的一生，又能 遇到多少事情是真正地非做不可？ During my childhood, think lucky money and new clothes are necessary for New Year, but as the advance of the age, will be more and more found that those things are optional。t want to give vent to out your inner voice can be in the high school children of the feelings in a period, but was eventually infarction when graduation party in the throat, later again stood on the pitch he has sweat profusely, looked at his thrown a basketball hoops, suddenly found himself has already can39。s time, your ideas are always special to clear. Want, want, line is clear, as if nothing could shake his. Also once seemed to be determined to do something, but more often is he backed out at last. Dislike his cowardice, finally found that there are a lot of love, there are a lot of miss, like shadow really have been doomed. Those who do, just green years oneself give oneself an arm injection, or is a selfrighteous spiritual. 一個(gè)人的時(shí)候，自己的想法總是特別地清晰。那些曾經(jīng)所謂的非做不可，只是青蔥年華里自己給自己注射的一支強(qiáng)心劑，或者說(shuō)，是自以為是的精神寄托罷了。 Have declared the end of the encounter that haven39。 instead of letting the world soften us, we let it drive us deeper into ourselves. We try to deflect the hurt and pain by pretending it doesn’t exist, but although we can try this all we want, in the end, we can’t hide from ourselves. We need to learn to open our hearts to the potentials of life and let the world soften us. 生活發(fā)生不幸時(shí)，我們常常會(huì)關(guān)上心門；世界不僅沒(méi)能慰藉我們，反倒使我們更加消沉。 Whenever a painful situation arises in your life, try to embrace it instead of running away or trying to mask the hurt. When the sadness strikes, take a deep breath and lean into it. When we run away from sadness that’s unfolding in our lives, it gets stronger and more real. We take an emotion that’s fleeting and make it a solid event, instead of something that passes through us. 當(dāng)生活中出現(xiàn)痛苦的事情時(shí)，別再逃跑或隱藏痛苦，試著擁抱它吧；當(dāng)悲傷來(lái)襲時(shí)，試著深呼吸，然后直面它。其實(shí)，我們有能力面對(duì)這些痛苦的感受，從中領(lǐng)悟到出路。與其一味顧慮重重，不如從局外人的角度看待決策之事。t. Baumgartner still will free fall at a speed that would cause you and me to pass out, and no parachute is guaranteed to work higher than 25,000 feet (7,620 meters). cause there