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中(zhong)國(guo)銀保監會(hui)日前發出《關于明確(que)保險中(zhong)介市場對外開放有關措施的通知》，引(yin)來(lai)不少關注。

《通知》共(gong)三條，第一(yi)條大幅取消外(wai)(wai)(wai)資保(bao)(bao)險(xian)經(jing)(jing)紀(ji)公(gong)(gong)司的準(zhun)入(ru)限(xian)(xian)制，不再(zai)要求股(gu)東經(jing)(jing)營年限(xian)(xian)、總資產等條件。第二條進一(yi)步降低外(wai)(wai)(wai)資保(bao)(bao)險(xian)中(zhong)(zhong)(zhong)介機(ji)(ji)構(gou)的準(zhun)入(ru)門檻，允(yun)許外(wai)(wai)(wai)國保(bao)(bao)險(xian)集團公(gong)(gong)司、境內外(wai)(wai)(wai)資保(bao)(bao)險(xian)集團公(gong)(gong)司投資設立的保(bao)(bao)險(xian)中(zhong)(zhong)(zhong)介機(ji)(ji)構(gou)經(jing)(jing)營相關保(bao)(bao)險(xian)中(zhong)(zhong)(zhong)介業務。第三條是保(bao)(bao)險(xian)中(zhong)(zhong)(zhong)介機(ji)(ji)構(gou)按照(zhao)“放(fang)管服”改(gai)革要求、適用“先照(zhao)后證”政策的相關規(gui)定。這意味著構(gou)成保(bao)(bao)險(xian)市場(chang)主(zhu)體的重要有機(ji)(ji)組(zu)成部(bu)分，保(bao)(bao)險(xian)中(zhong)(zhong)(zhong)介市場(chang)將洞(dong)開大門引入(ru)更多(duo)強勁的國際(ji)對手(shou)。

在英美等發(fa)達國(guo)(guo)家(jia)(jia)成(cheng)熟的(de)(de)保險(xian)市(shi)場(chang)(chang)上，保險(xian)中(zhong)介是一(yi)項(xiang)非常成(cheng)熟的(de)(de)產業，具有不可替代的(de)(de)市(shi)場(chang)(chang)作(zuo)用。這些發(fa)達國(guo)(guo)家(jia)(jia)的(de)(de)知名保險(xian)中(zhong)介企業一(yi)旦有規模(mo)地(di)進入，必然為中(zhong)國(guo)(guo)保險(xian)市(shi)場(chang)(chang)帶來新(xin)的(de)(de)經營(ying)理念和盈利模(mo)式。從長(chang)遠看(kan)(kan)，國(guo)(guo)內保險(xian)中(zhong)介公司通過(guo)合作(zuo)競(jing)爭(zheng)，未(wei)來實現更大發(fa)展應該是大概率事(shi)件。從短期看(kan)(kan)，從開門到形成(cheng)真正(zheng)的(de)(de)競(jing)爭(zheng)格局，時間(jian)不會很久了。然而，國(guo)(guo)內保險(xian)中(zhong)介做好準備了嗎？

近年來，隨(sui)著保(bao)(bao)險(xian)(xian)(xian)業(ye)的(de)快(kuai)速(su)發(fa)(fa)(fa)展(zhan)，保(bao)(bao)險(xian)(xian)(xian)中(zhong)(zhong)(zhong)介機(ji)構的(de)規(gui)(gui)模數(shu)量不(bu)(bu)斷增加，市場地位也在(zai)提(ti)高(gao)，目(mu)前已有2600余家保(bao)(bao)險(xian)(xian)(xian)專業(ye)中(zhong)(zhong)(zhong)介機(ji)構在(zai)市場上服務。然而(er)，由于種種原因，相較于保(bao)(bao)險(xian)(xian)(xian)公司的(de)發(fa)(fa)(fa)展(zhan)，保(bao)(bao)險(xian)(xian)(xian)中(zhong)(zhong)(zhong)介領域(yu)長期存在(zai)數(shu)量龐(pang)大、經營水平(ping)參差不(bu)(bu)齊等(deng)問(wen)題。無論管理(li)水平(ping)還是合規(gui)(gui)程度都相對滯(zhi)后，規(gui)(gui)范(fan)(fan)發(fa)(fa)(fa)展(zhan)速(su)度和(he)成(cheng)熟度均與整個(ge)保(bao)(bao)險(xian)(xian)(xian)業(ye)發(fa)(fa)(fa)展(zhan)不(bu)(bu)相匹配(pei)。尤其(qi)是在(zai)信息(xi)化和(he)數(shu)字化突(tu)飛(fei)猛進的(de)大數(shu)據時(shi)代，保(bao)(bao)險(xian)(xian)(xian)中(zhong)(zhong)(zhong)介的(de)管理(li)更(geng)顯出(chu)捉襟見(jian)肘的(de)短(duan)板(ban)，比如部分保(bao)(bao)險(xian)(xian)(xian)中(zhong)(zhong)(zhong)介機(ji)構存在(zai)信息(xi)化治(zhi)理(li)不(bu)(bu)完(wan)備、信息(xi)系統(tong)建設(she)不(bu)(bu)規(gui)(gui)范(fan)(fan)等(deng)現象，信息(xi)化能力(li)和(he)水平(ping)已成(cheng)為影響保(bao)(bao)險(xian)(xian)(xian)中(zhong)(zhong)(zhong)介機(ji)構合規(gui)(gui)經營、健康發(fa)(fa)(fa)展(zhan)的(de)掣肘。

不久前(qian)，水滴保(bao)(bao)險(xian)(xian)聯手普華永(yong)道給出(chu)一(yi)份《中(zhong)(zhong)(zhong)國保(bao)(bao)險(xian)(xian)中(zhong)(zhong)(zhong)介行業(ye)發展趨勢白(bai)皮書》。白(bai)皮書認為中(zhong)(zhong)(zhong)國保(bao)(bao)險(xian)(xian)中(zhong)(zhong)(zhong)介行業(ye)將以科(ke)技與生態(tai)驅(qu)動，向輕資產、數(shu)字化和精細化發展模(mo)式轉(zhuan)變，并通過(guo)打(da)造核心能力驅(qu)動長期發展。當下是一(yi)個(ge)科(ke)技賦能金(jin)融的(de)時(shi)代，從(cong)這個(ge)層面來說，開(kai)放的(de)意義更(geng)在于讓國內的(de)保(bao)(bao)險(xian)(xian)中(zhong)(zhong)(zhong)介認清形(xing)勢，加快(kuai)在規范(fan)和行業(ye)洗(xi)牌以及強敵(di)環伺之下成長的(de)步伐，最終催生出(chu)中(zhong)(zhong)(zhong)國的(de)大型保(bao)(bao)險(xian)(xian)中(zhong)(zhong)(zhong)介公司，以鑄牢(lao)中(zhong)(zhong)(zhong)國保(bao)(bao)險(xian)(xian)市場的(de)重要(yao)支柱。

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