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)險(xian)(xian)經(jing)(jing)紀(ji)(ji)(ji)(ji)人(ren)(ren)必(bi)須具備一(yi)定的(de)(de)(de)保(bao)(bao)險(xian)(xian)專業(ye)知(zhi)識(shi)和(he)(he)技能，通曉保(bao)(bao)險(xian)(xian)市場規則(ze)、構成和(he)(he)行情，為投(tou)(tou)保(bao)(bao)人(ren)(ren)設(she)計保(bao)(bao)險(xian)(xian)方(fang)案，代(dai)表(biao)投(tou)(tou)保(bao)(bao)人(ren)(ren)與(yu)保(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)商議達成保(bao)(bao)險(xian)(xian)協(xie)議。保(bao)(bao)險(xian)(xian)經(jing)(jing)紀(ji)(ji)(ji)(ji)人(ren)(ren)不保(bao)(bao)證保(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)的(de)(de)(de)償(chang)付能力，對給(gei)付賠款和(he)(he)退費也(ye)不負法律責任(ren)，對保(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)則(ze)負有交付保(bao)(bao)費的(de)(de)(de)責任(ren)。因經(jing)(jing)紀(ji)(ji)(ji)(ji)人(ren)(ren)在辦理保(bao)(bao)險(xian)(xian)業(ye)務(wu)中的(de)(de)(de)過錯給(gei)投(tou)(tou)保(bao)(bao)人(ren)(ren)、被保(bao)(bao)險(xian)(xian)人(ren)(ren)造成損失的(de)(de)(de)，由保(bao)(bao)險(xian)(xian)經(jing)(jing)紀(ji)(ji)(ji)(ji)人(ren)(ren)承擔(dan)賠償(chang)責任(ren)，經(jing)(jing)紀(ji)(ji)(ji)(ji)人(ren)(ren)的(de)(de)(de)活動客觀上為保(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)招攬了業(ye)務(wu)，故其傭金由保(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)按保(bao)(bao)費的(de)(de)(de)一(yi)定比例支(zhi)付。

二、保險經紀人的主要作用

保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經(jing)紀(ji)人(ren)(ren)通過向投(tou)保(bao)(bao)(bao)人(ren)(ren)提供(gong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)方案、辦理(li)投(tou)保(bao)(bao)(bao)手續(xu)、代(dai)投(tou)保(bao)(bao)(bao)人(ren)(ren)索賠并提供(gong)防災、防損或(huo)風險(xian)(xian)(xian)(xian)(xian)評(ping)估(gu)、風險(xian)(xian)(xian)(xian)(xian)管理(li)等咨詢服(fu)務，使(shi)(shi)投(tou)保(bao)(bao)(bao)人(ren)(ren)充分認識(shi)到經(jing)營中(zhong)自身存在的(de)風險(xian)(xian)(xian)(xian)(xian)，并參(can)考保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經(jing)紀(ji)人(ren)(ren)提供(gong)的(de)全(quan)面的(de)專業化的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)建議，使(shi)(shi)投(tou)保(bao)(bao)(bao)人(ren)(ren)所存在的(de)風險(xian)(xian)(xian)(xian)(xian)得到有效的(de)控(kong)制和(he)(he)轉移，達到以最合理(li)的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)支出獲得最大的(de)風險(xian)(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障，降低和(he)(he)穩固了經(jing)營中(zhong)的(de)風險(xian)(xian)(xian)(xian)(xian)管理(li)成本，保(bao)(bao)(bao)證了企業的(de)健康發展(zhan)。

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)務量的(de)(de)(de)增加會引起保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司整體業(ye)務量的(de)(de)(de)增加，從而降低了保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司的(de)(de)(de)展業(ye)費(fei)用(yong)；在保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)市場(chang)上，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)把保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司的(de)(de)(de)再(zai)保(bao)(bao)(bao)(bao)份額順利的(de)(de)(de)推銷出去，消除了保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司分保(bao)(bao)(bao)(bao)難的(de)(de)(de)憂慮，大大降低了保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司的(de)(de)(de)經營風險(xian)(xian)(xian)；而且保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)代為辦理保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)事務，減少了被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)因不了解(jie)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)知識而在索賠時(shi)給保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)帶來的(de)(de)(de)不必(bi)要的(de)(de)(de)索賠糾紛(fen)，提高了保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司的(de)(de)(de)經營效率。

因此，保險經紀(ji)人的產生不(bu)管(guan)是對(dui)投(tou)保人還是對(dui)保險公(gong)司都是有利的，她(ta)的產生是保險市場不(bu)斷完善(shan)的結果。