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(ji)其分(fen)支機構(gou)。保(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)(ren)(ren)必須具備一定的(de)(de)(de)保(bao)(bao)險(xian)(xian)(xian)專業(ye)知識和技(ji)能，通曉保(bao)(bao)險(xian)(xian)(xian)市場規則(ze)、構(gou)成(cheng)(cheng)和行情，為投保(bao)(bao)人(ren)(ren)(ren)設計保(bao)(bao)險(xian)(xian)(xian)方案，代表投保(bao)(bao)人(ren)(ren)(ren)與保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)商議(yi)達成(cheng)(cheng)保(bao)(bao)險(xian)(xian)(xian)協議(yi)。保(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)(ren)(ren)不保(bao)(bao)證保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)的(de)(de)(de)償付(fu)能力，對給付(fu)賠款和退費也不負法律責任，對保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)則(ze)負有交付(fu)保(bao)(bao)費的(de)(de)(de)責任。因經紀(ji)人(ren)(ren)(ren)在辦理保(bao)(bao)險(xian)(xian)(xian)業(ye)務中的(de)(de)(de)過錯給投保(bao)(bao)人(ren)(ren)(ren)、被(bei)保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)造成(cheng)(cheng)損失的(de)(de)(de)，由(you)保(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)(ren)(ren)承擔賠償責任，經紀(ji)人(ren)(ren)(ren)的(de)(de)(de)活動客觀上為保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)招攬了業(ye)務，故其傭(yong)金由(you)保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)按保(bao)(bao)費的(de)(de)(de)一定比例(li)支付(fu)。

二、保險經紀人的主要作用

保(bao)(bao)(bao)(bao)險(xian)經紀人(ren)通過向投保(bao)(bao)(bao)(bao)人(ren)提(ti)(ti)供保(bao)(bao)(bao)(bao)險(xian)方案、辦理(li)(li)投保(bao)(bao)(bao)(bao)手(shou)續、代(dai)投保(bao)(bao)(bao)(bao)人(ren)索賠并提(ti)(ti)供防災、防損或風(feng)(feng)(feng)(feng)險(xian)評估、風(feng)(feng)(feng)(feng)險(xian)管理(li)(li)等咨詢服(fu)務(wu)，使投保(bao)(bao)(bao)(bao)人(ren)充分(fen)認識到(dao)經營(ying)中自身存(cun)在的(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)，并參考保(bao)(bao)(bao)(bao)險(xian)經紀人(ren)提(ti)(ti)供的(de)(de)(de)全面(mian)的(de)(de)(de)專業化的(de)(de)(de)保(bao)(bao)(bao)(bao)險(xian)建議(yi)，使投保(bao)(bao)(bao)(bao)人(ren)所(suo)存(cun)在的(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)得(de)到(dao)有效(xiao)的(de)(de)(de)控制和轉(zhuan)移，達到(dao)以(yi)最合理(li)(li)的(de)(de)(de)保(bao)(bao)(bao)(bao)險(xian)支出獲得(de)最大的(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)保(bao)(bao)(bao)(bao)障，降(jiang)低和穩固了(le)經營(ying)中的(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)管理(li)(li)成本，保(bao)(bao)(bao)(bao)證了(le)企業的(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，保險經紀公司業務量(liang)的(de)(de)增加會引起保(bao)(bao)險(xian)(xian)公(gong)司(si)整體業務量(liang)的(de)(de)增加，從(cong)而(er)降(jiang)低(di)了(le)(le)保(bao)(bao)險(xian)(xian)公(gong)司(si)的(de)(de)展(zhan)業費用(yong)；在(zai)保(bao)(bao)險(xian)(xian)市場上(shang)，保(bao)(bao)險(xian)(xian)經(jing)紀(ji)人(ren)把保(bao)(bao)險(xian)(xian)公(gong)司(si)的(de)(de)再保(bao)(bao)份(fen)額順利的(de)(de)推(tui)銷出去，消除了(le)(le)保(bao)(bao)險(xian)(xian)公(gong)司(si)分保(bao)(bao)難的(de)(de)憂慮，大大降(jiang)低(di)了(le)(le)保(bao)(bao)險(xian)(xian)公(gong)司(si)的(de)(de)經(jing)營(ying)風險(xian)(xian)；而(er)且保(bao)(bao)險(xian)(xian)經(jing)紀(ji)人(ren)代(dai)為辦(ban)理保(bao)(bao)險(xian)(xian)事務，減少了(le)(le)被保(bao)(bao)險(xian)(xian)人(ren)因不(bu)了(le)(le)解保(bao)(bao)險(xian)(xian)知識而(er)在(zai)索(suo)賠(pei)時給保(bao)(bao)險(xian)(xian)人(ren)帶來的(de)(de)不(bu)必要的(de)(de)索(suo)賠(pei)糾紛(fen)，提高了(le)(le)保(bao)(bao)險(xian)(xian)公(gong)司(si)的(de)(de)經(jing)營(ying)效率。

因(yin)此，保(bao)險經(jing)紀人的產生(sheng)不管(guan)是(shi)對投保(bao)人還是(shi)對保(bao)險公司都是(shi)有利的，她的產生(sheng)是(shi)保(bao)險市(shi)場不斷完善的結果。