失联、停业，保险中介“淘汰赛”持续，中小机构面临生死场

Core Viewpoint - The insurance intermediary industry is undergoing a significant reshuffle due to stringent regulations, leading to the exit of several firms from the market [1][3][4]. Group 1: Industry Changes - Recent regulatory actions have resulted in multiple insurance intermediaries being shut down or exiting the market due to non-compliance or operational issues [3][4]. - As of mid-2023, the number of insurance intermediaries has decreased to 2,524, down from 2,539 at the beginning of the year, marking a reduction of 15 firms in the first half of the year [4][5]. - The trend of declining numbers of insurance intermediaries has been ongoing since 2019, with a total of 62 firms deregistered in Jilin province alone [3][4]. Group 2: Market Dynamics - The increasing competition and stricter regulatory policies are driving smaller insurance intermediaries out of the market, as they struggle to adapt to the evolving landscape [4][5]. - The "reporting and operation integration" policy has significantly impacted intermediaries by compressing profit margins, as it requires consistency between reported insurance terms and actual practices [5]. Group 3: Strategic Recommendations - To survive in the current market, insurance intermediaries must focus on specialization and refine their operations, moving away from broad, unsustainable business models [6]. - Industry experts suggest that intermediaries should target niche markets, such as pet insurance or outdoor activity insurance, to differentiate themselves and reduce competition [6]. - Strengthening risk management and compliance awareness is essential for sustainable business operations, alongside forming strategic alliances with technology and financial firms to innovate service models [6].