【正文】 發(fā)布。金融這雙無形的手的對世界的影響力量已經(jīng)超過了戰(zhàn)爭，人們把它比喻為 “貨幣戰(zhàn)爭 ”，金融立國已是大勢所趨，如何在世界性的金融危機中幸免于難 ？提高金融在中國的地位和世界的影響力及抗風險能力是我們必須直面的課題。我國的保險事業(yè)發(fā)展才短短二十余年，政策支持、市場環(huán)境和保險機制很不成熟，國民的風險管控意識和保險觀念有待加強。服務(wù)質(zhì)量和服務(wù)水平還有相當大差距，代理機構(gòu)的誠信、經(jīng)紀機構(gòu)的專業(yè)、公估機構(gòu)的公正、人才隊伍建設(shè)等 都是需要我們長期關(guān)注的問題；二是保險中介從業(yè)人員和保險營銷員的崗前培訓和繼續(xù)教育制度沒有很好地落實； 三是規(guī)模小。 面對我國加入世貿(mào)以來的經(jīng)濟全球化趨勢，市場的逐步開放，產(chǎn)銷分離的加速，保險中介行業(yè)已經(jīng)成為一種新的發(fā)展趨勢。 本文首先對我國保險的需求與現(xiàn)實的落差進行宏觀剖析，進而對保險中介未來發(fā)展的形態(tài)和路徑進行科學判斷，通過對世界保險中介產(chǎn)業(yè)發(fā)展核心制度的分析，提出我國保險中介業(yè)發(fā)展核心競爭力建設(shè)的思路和具體的運作方式，包括盈利模型、服務(wù)模式等，并進一步印證可行性，對組建企業(yè)的投入和產(chǎn)出的財務(wù)狀況進行了詳細分析，最后通過對經(jīng)濟效益和社會效益的雙重評估，力證了本項目的可行性。 關(guān)鍵詞： 保險中介 盈利模式 量化標準 核心競爭力 ii Abstract In 1998 the outbreak of the financial crisis in southeast Asia, due to the property in the United States in the of 2020 induced the financial tsunami, in 2020 a serious financial crisis broke in Greece, although these specific financial events happened in different countries, have different damage, but the result is the same. All has the impact of disaster on the parties and the world economy and economic volatility, an adverse impact on the lives of people, financial these invisible hand has bee a greater i mpact than the war powers of the world. People around the world financial form pared to the currency wars, these is not a accidental event for our country39。s influence and the ability to resist risk is must face the reality of the project. Insurance as one of the troika of China39。t adapt to the need for insurance services. The second problem is the insurance intermediary practitioners and insurance marketing staff preservice training and continuing education system was not well implemented. The third problem is the scale of this industry is too small. Insurance intermediary institution number has grown to over 2020, but market share, revenue, asset scale of all institution are only about a mediumsized insurance pany. In the face of economic globalization since China39。s insurance intermediary development train of thought and specific works, including profit model, service model, to further confirm the feasibility. Thirdly this paper is to form a enterprise of input and output of the financial situation analysis. Finally through the analysis of the dual economic and social benefits shows the feasibility of this project. Hope to provide system, beneficial reference and help to the development of insurance intermediary business. Key words: Insurance Intermediate . Profit Model . Quantitative Standard . Core Competitiveness 目 錄 摘 要 ................................................................................................................................. i Abstract ............................................................................................................................. ii 1 緒論 ................................................................................................................................. 1 研究的背景及意義 ............................................................................................... 1 研究的目標和內(nèi)容 ............................................................................................... 2 研究目標 ..................................................................................................... 2 研究內(nèi)容 ..................................................................................................... 2 研究思路 ............................................................................................................... 3 2 國內(nèi)外保險業(yè)及中介業(yè)發(fā)展現(xiàn)狀與趨勢 ..................................................................... 4 國外保險業(yè)及中介業(yè)發(fā)展的現(xiàn)狀 ....................................................................... 4 英國保險中介市場 ..................................................................................... 4 美國保險中介市場 ..................................................................................... 4 德國保險中介市場 ..................................................................................... 4 印度保險中介市場 ..................................................................................... 5 國內(nèi)保險業(yè)及中介業(yè)發(fā)展的現(xiàn)狀 ....................................................................... 5 國內(nèi)保險業(yè)市場狀況 ................................................................................. 5 國內(nèi)保險中介業(yè)發(fā)展現(xiàn)狀 ......................................................................... 6 保險中介業(yè)的發(fā)展趨勢 ....................................................................................... 7 產(chǎn)銷分離的發(fā)展趨勢 ................................................................................. 7 保險中介行業(yè)發(fā)展風向標 ......................................................................... 9 3 組建全國性保險中介公司的公司內(nèi)部結(jié)構(gòu)構(gòu)想 ....................................................... 11 公司總體發(fā)展規(guī)劃及中長期發(fā)展目標 ............................................................. 11 公司組織結(jié)構(gòu)的構(gòu)想 ......................................................................................... 12 公司人員構(gòu)成安排規(guī)劃 ..................................................................................... 13 總公司人員構(gòu)成安排 ............................................................................... 13 分支機構(gòu)設(shè)立及人員配備 ....................................................................... 13 公司核心制度設(shè)計及公司文化培育 ................................................................. 14 公司核心制度設(shè)計 ................................................................................... 14 公司優(yōu)秀人才戰(zhàn)略與公司文化建設(shè) ....................................................... 14 ....................................................................................................... 17 影響保險中介公司發(fā)展的因素 ......................................................................... 17 公司具體運作策略的規(guī)劃 ................................................................................. 18 市場定位 ................................................................................................... 18 供應(yīng)商及產(chǎn)品策略 ..............................