职业责任保险制度和保证金制度是保险专业中介机构风险保障机制的两项制度安排,随着保险中介市场的不断发展,风险问题也不断涌现,无论职业责任保险制度,还是保证金制度,都已经明显不能适应保险专业中介机构防范化解风险,以及监管部门的监管需要,短板效应彰显,我们必须对保险专业中介机构风险保障机制方面的问题重新进行审慎地思考,两种制度的改革迫在眉 The system of professional liability insurance and the deposit system are two institutional arrangements for the risk protection mechanism of insurance professional intermediaries. With the continuous development of the insurance intermediary market, the risk problems are constantly emerging. Both the professional liability insurance system and the deposit system have obviously failed to To adapt to the risk of insurance professional intermediaries to prevent and mitigate, as well as regulatory regulatory needs, highlighting the short board effect, we must re-think carefully the problems of the risk protection mechanism of the insurance professional intermediaries, reform of the two systems is imminent