保險經紀人服務水準國際接軌之探討－以保險中介國際規範觀點Insurance Broker Service Connected with International Level

摘要
我國加入世界貿易組織之後，整體保險業之經營已邁入國際化階段，尤其在保險業之中介經營方面。本文乃就保險中介國際規範觀點，就國際保險核心原則、歐盟保險指令等規範，從保險經紀人的定位、功能以及服務水準與國際保險市場發展作探討，擬提出建構保險經紀人資訊揭露、財務分級監理、消費者保護、執業道德、保險詐欺行為防範制度等措施，來提昇保險經紀人服務，讓消費者享有健全的保險市場，以利未來國內保險經紀人服務水準與國際接軌。
關鍵字：保險經紀人、國際保險核心原則、歐盟保險指令、資訊揭露制度
Abstract
Subsequent to joining to WTO, insurance industry in Taiwan has entered into internationalization especially in the business of insurance intermediaries. The evaluation of the status, functions and services provided by insurance intermediaries in Taiwan with those practices internationally from the perspective of the core principle of international insurance practices, insurance intermediaries international regulation and EU insurance directive is an important issue for improving the services of insurance brokers in Taiwan. To achieve the above objective, this research has suggested several ways to enhance the practices of insurance intermediaries in terms of the level of information disclosure requirement, financial supervision, business morality, consumer protection and insurance fraud prevention.
Keywords: insurance broker, core principle of international insurance, EU insurance directive, disclosure of information