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连续6年下滑!保险中介机构持续减员,有何生存之道?
Guo Ji Jin Rong Bao·2025-07-30 15:45

Core Viewpoint - The insurance intermediary sector in China is undergoing a significant contraction, driven by stricter regulations, intensified market competition, and the need for industry consolidation [3][5][9]. Regulatory Environment - Since 2025, the Jilin Provincial Financial Regulatory Bureau has been actively optimizing the insurance intermediary market, resulting in the cancellation of 62 insurance intermediary institutions by mid-June, a decrease of 11.7% from the beginning of the year [1]. - The national trend shows a continuous decline in the number of insurance intermediaries, with a total of 103 institutions exiting the market over the past six years [3][4]. Market Competition - The competitive landscape has become increasingly fierce, with internet platforms and large insurance companies establishing their own channels, thereby squeezing the survival space of traditional intermediaries [4][5]. - Many traditional intermediaries are struggling to adapt to digital transformation, leading to their natural elimination from the market [4][9]. Industry Consolidation - The insurance intermediary market is experiencing consolidation, with larger institutions acquiring smaller ones to expand market share and service range [5]. - The average commission level across the industry has decreased by 30% due to the implementation of the "reporting and execution consistency" policy, which has pressured intermediaries to transform their business models [7][8]. New Value Positioning - To remain competitive, insurance intermediaries must transition from being "product salespeople" to "risk management consultants," enhancing their professional capabilities to offer tailored protection plans [9]. - Embracing digitalization through big data and artificial intelligence is essential for optimizing operations and improving customer engagement [9]. - Focusing on niche markets or specific scenarios to create specialized brands can provide a competitive edge [9]. Emerging Trends - New insurance intermediaries that focus on technology and risk management services are gaining traction in the capital market, with several planning to go public [10].