一、什么是保險經紀人

按照我國現行的《保險法》第一百一十八條規定：保險經紀人指基于投保人的利益，為投保人與保險人訂立保險合同提供中介服務，并依法收取傭金的機構，包括保險經紀公司及其分支(zhi)機構(gou)(gou)。保(bao)(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)(ren)(ren)必須具備一(yi)定的保(bao)(bao)(bao)險(xian)(xian)(xian)專業(ye)知識(shi)和(he)(he)技能(neng)(neng)，通(tong)曉保(bao)(bao)(bao)險(xian)(xian)(xian)市場規則(ze)、構(gou)(gou)成(cheng)和(he)(he)行(xing)情(qing)，為投保(bao)(bao)(bao)人(ren)(ren)(ren)設計保(bao)(bao)(bao)險(xian)(xian)(xian)方案，代表投保(bao)(bao)(bao)人(ren)(ren)(ren)與(yu)保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)商議達成(cheng)保(bao)(bao)(bao)險(xian)(xian)(xian)協(xie)議。保(bao)(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)(ren)(ren)不(bu)保(bao)(bao)(bao)證保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)的償付(fu)能(neng)(neng)力(li)，對給付(fu)賠(pei)款和(he)(he)退費也(ye)不(bu)負法律責(ze)任(ren)，對保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)則(ze)負有交付(fu)保(bao)(bao)(bao)費的責(ze)任(ren)。因經紀(ji)人(ren)(ren)(ren)在(zai)辦理保(bao)(bao)(bao)險(xian)(xian)(xian)業(ye)務(wu)中的過錯給投保(bao)(bao)(bao)人(ren)(ren)(ren)、被保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)造成(cheng)損失的，由(you)保(bao)(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)(ren)(ren)承(cheng)擔賠(pei)償責(ze)任(ren)，經紀(ji)人(ren)(ren)(ren)的活動客觀上為保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)招攬了業(ye)務(wu)，故其傭(yong)金由(you)保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)按(an)保(bao)(bao)(bao)費的一(yi)定比例支(zhi)付(fu)。

二、保險經紀人的主要作用

保(bao)險(xian)經紀(ji)人(ren)(ren)通過(guo)向投保(bao)人(ren)(ren)提供保(bao)險(xian)方案、辦理(li)投保(bao)手續、代投保(bao)人(ren)(ren)索賠并提供防災、防損或風(feng)險(xian)評(ping)估、風(feng)險(xian)管理(li)等咨詢服務，使(shi)投保(bao)人(ren)(ren)充分認識到經營中(zhong)自身存(cun)在的(de)(de)(de)風(feng)險(xian)，并參考保(bao)險(xian)經紀(ji)人(ren)(ren)提供的(de)(de)(de)全面的(de)(de)(de)專(zhuan)業化的(de)(de)(de)保(bao)險(xian)建議，使(shi)投保(bao)人(ren)(ren)所存(cun)在的(de)(de)(de)風(feng)險(xian)得(de)到有效的(de)(de)(de)控制和轉移(yi)，達到以最(zui)合理(li)的(de)(de)(de)保(bao)險(xian)支出獲得(de)最(zui)大的(de)(de)(de)風(feng)險(xian)保(bao)障，降低和穩固了(le)經營中(zhong)的(de)(de)(de)風(feng)險(xian)管理(li)成本，保(bao)證了(le)企業的(de)(de)(de)健(jian)康發(fa)展。

另外，因為保險經紀人的業務最終還是要到保險公司進行投保，保險經紀公司業(ye)務(wu)量的(de)(de)(de)增加(jia)會(hui)引(yin)起保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司整體(ti)業(ye)務(wu)量的(de)(de)(de)增加(jia)，從而降低了(le)(le)保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司的(de)(de)(de)展業(ye)費用；在保(bao)(bao)(bao)險(xian)(xian)市場上，保(bao)(bao)(bao)險(xian)(xian)經紀人(ren)把(ba)保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司的(de)(de)(de)再(zai)保(bao)(bao)(bao)份額順利的(de)(de)(de)推銷(xiao)出(chu)去，消除了(le)(le)保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司分保(bao)(bao)(bao)難的(de)(de)(de)憂(you)慮，大大降低了(le)(le)保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司的(de)(de)(de)經營(ying)風險(xian)(xian)；而且保(bao)(bao)(bao)險(xian)(xian)經紀人(ren)代(dai)為辦理保(bao)(bao)(bao)險(xian)(xian)事務(wu)，減(jian)少了(le)(le)被保(bao)(bao)(bao)險(xian)(xian)人(ren)因不了(le)(le)解(jie)保(bao)(bao)(bao)險(xian)(xian)知識而在索(suo)賠時給保(bao)(bao)(bao)險(xian)(xian)人(ren)帶來的(de)(de)(de)不必要的(de)(de)(de)索(suo)賠糾紛，提高(gao)了(le)(le)保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司的(de)(de)(de)經營(ying)效率。

因此，保(bao)(bao)險(xian)經紀人的(de)產生(sheng)不(bu)管是(shi)(shi)對(dui)投保(bao)(bao)人還是(shi)(shi)對(dui)保(bao)(bao)險(xian)公司都(dou)是(shi)(shi)有利(li)的(de)，她的(de)產生(sheng)是(shi)(shi)保(bao)(bao)險(xian)市場(chang)不(bu)斷完善的(de)結果。