【正文】 與其一味顧慮重重，不如從局外人的角度看待決策之事。 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，別再逃跑或隱藏痛苦，試著擁抱它吧；當(dāng)悲傷來襲時，試著深呼吸，然后直面它。 Have declared the end of the encounter that haven39。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. 一個人的時候，自己的想法總是特別地清晰。 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。s 21 win. Michel Platini, president of European football39。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。在 “ 保險法 ” 這部大法之下，還需要有很多法規(guī)、辦法與之相配套。 強化保險中介監(jiān)管基礎(chǔ)建設(shè) 以新《保險法》頒布實施為契機，大力加強監(jiān)管法規(guī)制度建設(shè)?？偨Y(jié)近年來兼業(yè)代理機構(gòu)監(jiān)管的新思路，切實強化保險公司管控責(zé)任，明確保險兼業(yè)代理機構(gòu)和業(yè)務(wù)監(jiān)管的基本原則和要求。選擇部分區(qū)域和部分保險公司，對中介業(yè)務(wù)進行深度調(diào)查，由點及面，找準(zhǔn)存在的問題和原因，研究從制度和機制上加強保險公司中介業(yè)務(wù)監(jiān)管的治本之策。不知情的公眾也依然去購買其產(chǎn)品，無形中對業(yè)績優(yōu)良、守法經(jīng)營的公司構(gòu)成了一種損害，市場競爭和優(yōu)勝劣汰的機制難以發(fā)揮 作用，長此以往，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。這種狀況表明我國的保險監(jiān)管還存在較大缺陷，還沒有建立成熟完善的判別風(fēng)險和化解風(fēng)險的機制。 專業(yè)保險中介機構(gòu)經(jīng)營空間狹小 目前保險市場的中介業(yè)務(wù)主要來自保險兼業(yè)代理，專業(yè)中介的份額很少。尤其是保險 公估和經(jīng) 紀(jì) ，保險公估要對各類保險事故的損失進行查勘定損，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，又要懂保險金融方面的知識；保險經(jīng)紀(jì)也 是同樣，不僅要求對保險精通，還要掌握金融，法律，財務(wù)，管理，心理等方面的知識。眾多的保險兼業(yè)代理機構(gòu)的出現(xiàn)，使得對其監(jiān)管直接由中國保監(jiān)會或由其下設(shè)的保監(jiān)辦來進行很困難。其中，產(chǎn)險營銷員實現(xiàn)傭金收入 億元，壽險營銷員實現(xiàn)傭金收入 億元。 業(yè) 務(wù)情況 根據(jù)保險行業(yè)協(xié)會網(wǎng)站統(tǒng)計， 截至 2021 年 3 月 31 日，保險兼業(yè)代理機構(gòu)實現(xiàn)保費收入 億元，同比減少 %；占同期全國總保費收入的 %，同比下降 個百分點。實現(xiàn)財產(chǎn)險公估 服務(wù)費收入 億元，其中，機動車輛險 億元，占財產(chǎn)險公估服務(wù)費的 %。 保險代理公司實現(xiàn)傭金收入 億元，同比增長 %。 業(yè)務(wù)情況 根據(jù) 2021 年 保險年鑒 資料顯示 ， 截至 2021 初 ，全國保險代理公司和保險經(jīng)紀(jì)公司實現(xiàn)保費收入 億元，同比增長 %；占同期全國總保費收 入的 %，同比上升 個百分點。 根據(jù)保險行業(yè)協(xié)會網(wǎng)站統(tǒng)計， 截至 2021年 3月 31日，全國共有保險專業(yè)中介機構(gòu) 2547家 （具體情況見表一） ，保險兼業(yè)代理機構(gòu) 19萬余家，保險營銷員 333萬余人。 美國專家 Steven隨著我國經(jīng)濟體制改革的不斷深入和我國進一步擴大對外開放，我國的經(jīng)濟將融入全球經(jīng)濟一體 化之中，中國保險市場必將成為世界保險市場的重要組成部分。 關(guān)鍵詞： 保險中介市場；保險中介；保險監(jiān)管 On the development of the insurance intermediary market and regulatory Abstract The insurance intermediary determines the development and prosperity of the insurance industry, meanwhile, the insurance intermediary markets as platform play an important role in the insurance industry chain. The insurance intermediary market as the key to the development of the insurance industry has not been marketing, in which opportunities and challenges exist. At present there are a varity of elements, such as the inplete management, the lack of high quality talents, the lower social approval, the narrow business space etc. in insurance intermediary services, limiting the development of the insurance intermediary market. So it is essential to strengthen supervision of insurance intermediary services, and promote the insurance regulatory classification of professional intermediaries. In the paper, first of all, according to related the data we will analyze current insurance intermediary market, and then find out the problems existed in market and challenge it face. Finally, it will conclude that we should strengthen supervision, even e up with some own effective suggestions. Key words:The insurance intermediary market ； insurance intermediation； insurance supervision 1 引言 現(xiàn)代市場經(jīng)濟是以金融為核心運行和發(fā)展的，而在現(xiàn)代金融體系中，保險業(yè)占有舉足輕重的地位。保險中介 機構(gòu)起到了 橋梁作用