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(qi)分支機構(gou)。保(bao)(bao)險(xian)(xian)(xian)經(jing)紀(ji)人(ren)(ren)必(bi)須具備一(yi)定(ding)(ding)的(de)保(bao)(bao)險(xian)(xian)(xian)專(zhuan)業(ye)知(zhi)識和技能，通(tong)曉(xiao)保(bao)(bao)險(xian)(xian)(xian)市(shi)場規則、構(gou)成和行情，為投(tou)保(bao)(bao)人(ren)(ren)設計保(bao)(bao)險(xian)(xian)(xian)方案，代(dai)表投(tou)保(bao)(bao)人(ren)(ren)與保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)商議達成保(bao)(bao)險(xian)(xian)(xian)協議。保(bao)(bao)險(xian)(xian)(xian)經(jing)紀(ji)人(ren)(ren)不保(bao)(bao)證(zheng)保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)的(de)償付(fu)能力，對(dui)給(gei)付(fu)賠(pei)款和退費也不負(fu)(fu)法律(lv)責任，對(dui)保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)則負(fu)(fu)有交付(fu)保(bao)(bao)費的(de)責任。因經(jing)紀(ji)人(ren)(ren)在辦理保(bao)(bao)險(xian)(xian)(xian)業(ye)務(wu)中的(de)過錯給(gei)投(tou)保(bao)(bao)人(ren)(ren)、被保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)造成損失的(de)，由保(bao)(bao)險(xian)(xian)(xian)經(jing)紀(ji)人(ren)(ren)承擔賠(pei)償責任，經(jing)紀(ji)人(ren)(ren)的(de)活動客觀(guan)上(shang)為保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)招攬(lan)了(le)業(ye)務(wu)，故其(qi)傭金由保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)按保(bao)(bao)費的(de)一(yi)定(ding)(ding)比例支付(fu)。

二、保險經紀人的主要作用

保(bao)(bao)險(xian)(xian)(xian)經紀人(ren)(ren)(ren)(ren)通過向(xiang)投(tou)保(bao)(bao)人(ren)(ren)(ren)(ren)提供(gong)保(bao)(bao)險(xian)(xian)(xian)方案、辦理投(tou)保(bao)(bao)手續、代投(tou)保(bao)(bao)人(ren)(ren)(ren)(ren)索賠并提供(gong)防(fang)災、防(fang)損或風險(xian)(xian)(xian)評估、風險(xian)(xian)(xian)管理等咨詢服務，使(shi)投(tou)保(bao)(bao)人(ren)(ren)(ren)(ren)充分認(ren)識到(dao)(dao)經營中自身存在的(de)(de)風險(xian)(xian)(xian)，并參考保(bao)(bao)險(xian)(xian)(xian)經紀人(ren)(ren)(ren)(ren)提供(gong)的(de)(de)全面的(de)(de)專業化的(de)(de)保(bao)(bao)險(xian)(xian)(xian)建議(yi)，使(shi)投(tou)保(bao)(bao)人(ren)(ren)(ren)(ren)所存在的(de)(de)風險(xian)(xian)(xian)得(de)到(dao)(dao)有效的(de)(de)控制和轉移，達到(dao)(dao)以最(zui)合(he)理的(de)(de)保(bao)(bao)險(xian)(xian)(xian)支出(chu)獲得(de)最(zui)大的(de)(de)風險(xian)(xian)(xian)保(bao)(bao)障，降低(di)和穩固了(le)經營中的(de)(de)風險(xian)(xian)(xian)管理成本(ben)，保(bao)(bao)證了(le)企(qi)業的(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，保險經紀公司業務(wu)量的(de)(de)(de)增(zeng)加會引起保(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)整(zheng)體業務(wu)量的(de)(de)(de)增(zeng)加，從而(er)降低(di)了(le)保(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)的(de)(de)(de)展業費(fei)用；在保(bao)(bao)(bao)(bao)險(xian)市(shi)場上，保(bao)(bao)(bao)(bao)險(xian)經(jing)(jing)紀人(ren)把保(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)的(de)(de)(de)再保(bao)(bao)(bao)(bao)份額順利的(de)(de)(de)推銷出去，消除了(le)保(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)分保(bao)(bao)(bao)(bao)難的(de)(de)(de)憂慮，大大降低(di)了(le)保(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)的(de)(de)(de)經(jing)(jing)營風險(xian)；而(er)且保(bao)(bao)(bao)(bao)險(xian)經(jing)(jing)紀人(ren)代(dai)為辦理保(bao)(bao)(bao)(bao)險(xian)事務(wu)，減少了(le)被保(bao)(bao)(bao)(bao)險(xian)人(ren)因不(bu)了(le)解保(bao)(bao)(bao)(bao)險(xian)知識而(er)在索賠(pei)時給保(bao)(bao)(bao)(bao)險(xian)人(ren)帶來的(de)(de)(de)不(bu)必要的(de)(de)(de)索賠(pei)糾紛(fen)，提高了(le)保(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)的(de)(de)(de)經(jing)(jing)營效(xiao)率。

因(yin)此，保(bao)(bao)(bao)險經紀人(ren)的產生不管(guan)是(shi)對投保(bao)(bao)(bao)人(ren)還是(shi)對保(bao)(bao)(bao)險公司都(dou)是(shi)有利(li)的，她的產生是(shi)保(bao)(bao)(bao)險市場不斷(duan)完善的結(jie)果。