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(fen)支(zhi)機構(gou)。保(bao)(bao)(bao)(bao)險(xian)經紀人(ren)(ren)(ren)(ren)(ren)必須具(ju)備一定(ding)的(de)保(bao)(bao)(bao)(bao)險(xian)專業知識和(he)(he)技能，通(tong)曉保(bao)(bao)(bao)(bao)險(xian)市場(chang)規則、構(gou)成和(he)(he)行(xing)情，為投保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)(ren)(ren)設計(ji)保(bao)(bao)(bao)(bao)險(xian)方案，代表投保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)(ren)(ren)與保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)商議(yi)達成保(bao)(bao)(bao)(bao)險(xian)協議(yi)。保(bao)(bao)(bao)(bao)險(xian)經紀人(ren)(ren)(ren)(ren)(ren)不(bu)保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)的(de)償(chang)付(fu)能力，對給(gei)付(fu)賠(pei)款(kuan)和(he)(he)退費也不(bu)負法律責任(ren)，對保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)則負有交(jiao)付(fu)保(bao)(bao)(bao)(bao)費的(de)責任(ren)。因(yin)經紀人(ren)(ren)(ren)(ren)(ren)在辦(ban)理保(bao)(bao)(bao)(bao)險(xian)業務(wu)中(zhong)的(de)過錯給(gei)投保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)(ren)(ren)、被保(bao)(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)(ren)(ren)造成損失(shi)的(de)，由(you)保(bao)(bao)(bao)(bao)險(xian)經紀人(ren)(ren)(ren)(ren)(ren)承擔賠(pei)償(chang)責任(ren)，經紀人(ren)(ren)(ren)(ren)(ren)的(de)活動客(ke)觀上為保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)招攬了業務(wu)，故其傭金由(you)保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)按保(bao)(bao)(bao)(bao)費的(de)一定(ding)比例支(zhi)付(fu)。

二、保險經紀人的主要作用

保(bao)(bao)險(xian)(xian)經(jing)紀人(ren)通(tong)過向投(tou)保(bao)(bao)人(ren)提供保(bao)(bao)險(xian)(xian)方案、辦理投(tou)保(bao)(bao)手續(xu)、代(dai)投(tou)保(bao)(bao)人(ren)索賠并提供防(fang)災、防(fang)損或風(feng)險(xian)(xian)評估(gu)、風(feng)險(xian)(xian)管理等咨詢服務，使(shi)投(tou)保(bao)(bao)人(ren)充分認識到(dao)經(jing)營中自(zi)身(shen)存(cun)在(zai)的(de)(de)風(feng)險(xian)(xian)，并參考保(bao)(bao)險(xian)(xian)經(jing)紀人(ren)提供的(de)(de)全面的(de)(de)專業化的(de)(de)保(bao)(bao)險(xian)(xian)建議，使(shi)投(tou)保(bao)(bao)人(ren)所存(cun)在(zai)的(de)(de)風(feng)險(xian)(xian)得(de)到(dao)有效(xiao)的(de)(de)控制和轉(zhuan)移，達到(dao)以最合理的(de)(de)保(bao)(bao)險(xian)(xian)支出獲得(de)最大的(de)(de)風(feng)險(xian)(xian)保(bao)(bao)障，降低和穩固了經(jing)營中的(de)(de)風(feng)險(xian)(xian)管理成(cheng)本(ben)，保(bao)(bao)證了企業的(de)(de)健(jian)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，保險經紀公司業務(wu)量的(de)(de)增加會引起(qi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司整(zheng)體(ti)業務(wu)量的(de)(de)增加，從而降低(di)了(le)(le)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司的(de)(de)展業費用(yong)；在(zai)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)市場(chang)上，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)經紀人(ren)把(ba)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司的(de)(de)再保(bao)(bao)(bao)份額順利的(de)(de)推銷出(chu)去，消除了(le)(le)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司分(fen)保(bao)(bao)(bao)難(nan)的(de)(de)憂慮，大大降低(di)了(le)(le)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司的(de)(de)經營風(feng)險(xian)(xian)(xian)(xian)；而且保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)經紀人(ren)代為(wei)辦理保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)事務(wu)，減少了(le)(le)被保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)因不了(le)(le)解保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)知(zhi)識(shi)而在(zai)索賠時給保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)帶來的(de)(de)不必要的(de)(de)索賠糾紛，提(ti)高(gao)了(le)(le)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司的(de)(de)經營效(xiao)率(lv)。

因此，保險(xian)經紀人(ren)的(de)產(chan)生不管是對(dui)(dui)投保人(ren)還是對(dui)(dui)保險(xian)公司都是有利(li)的(de)，她(ta)的(de)產(chan)生是保險(xian)市場不斷完善的(de)結果。