一、保險經紀公司是干什么的

保險經紀公司是(shi)指依法成(cheng)立的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)中介機(ji)構。他一方面代表被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人的利(li)益，為被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人設計保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)方案，與保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司商議達(da)成(cheng)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)協議。另(ling)一方面，為保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司招攬業(ye)務(wu)，向保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司收取(qu)傭金。再在保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)市場上，為分(fen)出公(gong)(gong)司安排分(fen)保(bao)(bao)(bao)(bao)業(ye)務(wu)，向分(fen)入公(gong)(gong)司收取(qu)再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)傭金。在日(ri)常工作中，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)經紀公(gong)(gong)司還(huan)可(ke)以向投保(bao)(bao)(bao)(bao)人提供防災防損、風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)評估、風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)管理、保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)咨(zi)詢或顧問服務(wu)等等。

具體(ti)地(di)說，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經紀公(gong)司(si)(si)(si)針(zhen)對客戶(hu)(hu)(hu)的(de)(de)特定需求，運用自身的(de)(de)專(zhuan)業(ye)優勢，為客戶(hu)(hu)(hu)提供專(zhuan)業(ye)的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)計劃和風險(xian)(xian)(xian)(xian)(xian)管理(li)方案。在同客戶(hu)(hu)(hu)簽訂(ding)委托協議后(hou)，由保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經紀公(gong)司(si)(si)(si)組(zu)織市場詢價或招投標，選擇綜合承(cheng)保(bao)(bao)(bao)(bao)條件最(zui)(zui)優越的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)(si)作為承(cheng)保(bao)(bao)(bao)(bao)公(gong)司(si)(si)(si)。在與保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)(si)的(de)(de)談判中維護客戶(hu)(hu)(hu)的(de)(de)利益，爭(zheng)取對客戶(hu)(hu)(hu)的(de)(de)最(zui)(zui)大優惠。此外(wai)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經紀人還協助客戶(hu)(hu)(hu)制定保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)以外(wai)的(de)(de)全面的(de)(de)風險(xian)(xian)(xian)(xian)(xian)管理(li)計劃。風險(xian)(xian)(xian)(xian)(xian)管理(li)具有(you)很強的(de)(de)專(zhuan)業(ye)性(xing)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經紀公(gong)司(si)(si)(si)是(shi)國內外(wai)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)市場所公(gong)認的(de)(de)專(zhuan)業(ye)的(de)(de)風險(xian)(xian)(xian)(xian)(xian)管理(li)顧問。

二、保險經紀公司的優勢

1、信息對稱

保險(xian)經(jing)紀(ji)平(ping)臺(tai)上會(hui)提(ti)供不同(tong)承保公司的(de)、不同(tong)類型(xing)產(chan)品(pin)給(gei)大家挑選(xuan)。通過保險(xian)經(jing)紀(ji)公司，我們可(ke)以獲得更(geng)多、更(geng)全(quan)面的(de)保險(xian)市場信息，促(cu)進信息對稱，了解到更(geng)優質的(de)產(chan)品(pin)。

2、便于選擇最佳產品

保(bao)(bao)險經紀公司相當于(yu)是(shi)(shi)中介，這(zhe)種的(de)(de)(de)好(hao)處就是(shi)(shi)不會(hui)(hui)像(xiang)保(bao)(bao)險公司的(de)(de)(de)業務員(yuan)一樣(yang)，一味地去單純的(de)(de)(de)推銷甚至是(shi)(shi)在保(bao)(bao)障方面去隱瞞，而是(shi)(shi)會(hui)(hui)根(gen)據消費(fei)者的(de)(de)(de)需求來(lai)制定不同的(de)(de)(de)投保(bao)(bao)方案，那么對(dui)于(yu)消費(fei)者來(lai)說(shuo)，自然就可以(yi)選擇到更加適合的(de)(de)(de)產品以(yi)及最佳(jia)的(de)(de)(de)投保(bao)(bao)方式。

三、保險經紀公司的弊端

1、認知度低

消(xiao)(xiao)費者對于保(bao)險經(jing)紀公(gong)(gong)司的(de)(de)認知(zhi)度(du)是(shi)十分有限的(de)(de)，主要還是(shi)因為(wei)保(bao)險經(jing)紀公(gong)(gong)司大都是(shi)開發的(de)(de)線上平臺，而消(xiao)(xiao)費者更多的(de)(de)關注點卻在于產品(pin)本身以及背后(hou)的(de)(de)承保(bao)公(gong)(gong)司，所以能夠服務的(de)(de)消(xiao)(xiao)費者也是(shi)比較有限的(de)(de)。

2、理賠問題

保險經紀公司作為一(yi)個在(zai)保(bao)險公司(si)與消費(fei)者(zhe)(zhe)(zhe)中(zhong)間(jian)的平臺，除了提供投(tou)保(bao)方案之外(wai)，消費(fei)者(zhe)(zhe)(zhe)遇(yu)到理賠(pei)問題或(huo)者(zhe)(zhe)(zhe)是(shi)一(yi)些售后(hou)問題時(shi)，最(zui)后(hou)還是(shi)要找承(cheng)保(bao)公司(si)解決，甚(shen)至有些承(cheng)保(bao)公司(si)分支機構較少，在(zai)問題處(chu)理上并不高效，給消費(fei)者(zhe)(zhe)(zhe)帶來一(yi)定(ding)的售后(hou)問題。