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。保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)經(jing)(jing)紀人(ren)必須具備一定的(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)專業知識和(he)(he)技能，通曉保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)市場規則、構成和(he)(he)行情，為投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)人(ren)設(she)計(ji)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)方案，代表(biao)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)人(ren)與保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)(si)商議(yi)(yi)達成保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)協議(yi)(yi)。保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)經(jing)(jing)紀人(ren)不保(bao)(bao)(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)(si)的(de)(de)償付(fu)(fu)能力，對給付(fu)(fu)賠(pei)款和(he)(he)退(tui)費(fei)(fei)也不負(fu)法(fa)律責任(ren)(ren)，對保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)(si)則負(fu)有交(jiao)付(fu)(fu)保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)的(de)(de)責任(ren)(ren)。因經(jing)(jing)紀人(ren)在辦(ban)理保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業務中的(de)(de)過錯給投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)人(ren)、被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)造(zao)成損失的(de)(de)，由保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)經(jing)(jing)紀人(ren)承擔賠(pei)償責任(ren)(ren)，經(jing)(jing)紀人(ren)的(de)(de)活動客觀上為保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)(si)招(zhao)攬了(le)業務，故其傭金由保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)(si)按保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)的(de)(de)一定比例支(zhi)付(fu)(fu)。

二、保險經紀人的主要作用

保(bao)(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)通(tong)過(guo)向投(tou)保(bao)(bao)(bao)人(ren)提供保(bao)(bao)(bao)險(xian)(xian)(xian)方案、辦理投(tou)保(bao)(bao)(bao)手續、代投(tou)保(bao)(bao)(bao)人(ren)索(suo)賠并提供防(fang)災、防(fang)損或(huo)風(feng)(feng)險(xian)(xian)(xian)評估、風(feng)(feng)險(xian)(xian)(xian)管理等咨(zi)詢(xun)服(fu)務(wu)，使投(tou)保(bao)(bao)(bao)人(ren)充分認(ren)識到(dao)經營(ying)中自身存(cun)在(zai)的(de)(de)(de)(de)風(feng)(feng)險(xian)(xian)(xian)，并參考保(bao)(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)提供的(de)(de)(de)(de)全面(mian)的(de)(de)(de)(de)專業(ye)化的(de)(de)(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)建議，使投(tou)保(bao)(bao)(bao)人(ren)所存(cun)在(zai)的(de)(de)(de)(de)風(feng)(feng)險(xian)(xian)(xian)得到(dao)有效的(de)(de)(de)(de)控(kong)制和轉移，達到(dao)以最合理的(de)(de)(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)支出獲得最大的(de)(de)(de)(de)風(feng)(feng)險(xian)(xian)(xian)保(bao)(bao)(bao)障，降低(di)和穩固(gu)了(le)經營(ying)中的(de)(de)(de)(de)風(feng)(feng)險(xian)(xian)(xian)管理成本，保(bao)(bao)(bao)證了(le)企業(ye)的(de)(de)(de)(de)健康發展。

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)(ye)務量(liang)的(de)增(zeng)(zeng)加會(hui)引起(qi)保(bao)(bao)(bao)險(xian)(xian)公司整體(ti)業(ye)(ye)務量(liang)的(de)增(zeng)(zeng)加，從而降低了(le)保(bao)(bao)(bao)險(xian)(xian)公司的(de)展業(ye)(ye)費用；在保(bao)(bao)(bao)險(xian)(xian)市場上，保(bao)(bao)(bao)險(xian)(xian)經(jing)(jing)紀人把保(bao)(bao)(bao)險(xian)(xian)公司的(de)再保(bao)(bao)(bao)份(fen)額順(shun)利的(de)推銷出(chu)去，消除了(le)保(bao)(bao)(bao)險(xian)(xian)公司分保(bao)(bao)(bao)難的(de)憂慮，大(da)大(da)降低了(le)保(bao)(bao)(bao)險(xian)(xian)公司的(de)經(jing)(jing)營風險(xian)(xian)；而且保(bao)(bao)(bao)險(xian)(xian)經(jing)(jing)紀人代為辦理保(bao)(bao)(bao)險(xian)(xian)事務，減少了(le)被(bei)保(bao)(bao)(bao)險(xian)(xian)人因(yin)不(bu)了(le)解保(bao)(bao)(bao)險(xian)(xian)知識(shi)而在索賠(pei)時給保(bao)(bao)(bao)險(xian)(xian)人帶來(lai)的(de)不(bu)必要的(de)索賠(pei)糾紛(fen)，提(ti)高了(le)保(bao)(bao)(bao)險(xian)(xian)公司的(de)經(jing)(jing)營效(xiao)率。

因此，保險經紀人(ren)的(de)(de)產生不(bu)管是(shi)對(dui)投保人(ren)還是(shi)對(dui)保險公司(si)都是(shi)有利的(de)(de)，她(ta)的(de)(de)產生是(shi)保險市場不(bu)斷完(wan)善的(de)(de)結果。