For more than 40 years of reform and opening up, China's insurance industry has achieved brilliant achievements. As an important part of the insurance market, insurance intermediaries have experienced a process from scratch and gradually developed and improved after the insurance business resumed operations. At present, China's insurance intermediaries have become the main force in the insurance market. The insurance intermediary channels have made outstanding contributions to premium income. The number of insurance intermediaries and the number of intermediaries have shown a trend of rapid increase year by year. At the same time, China's insurance intermediary market has the characteristics of large-scale concurrent agency and personal agency market, small scale of professional intermediary market, and unbalanced internal market structure. In recent years, the rapid development of emerging technologies such as the Internet and big data has brought far-reaching influence to the economy, society and people's lives. The trend of "Internet +" has brought new development opportunities and challenges to all walks of life. Under the background of the Internet, the development of insurance intermediaries faces the following opportunities: First, the development of new business of insurance intermediaries is supported by favorable policies. Second, the platform of the Internet enables insurance intermediaries to better exert their professional advantages and provide insurance services. Third, the Internet trend has reduced the cost of insurance intermediaries and increased market efficiency. However, insurance intermediaries are also facing a crisis of survival in the Internet era. First, the expansion of the Internet channel of insurance companies has triggered the trend of "de-intermediation" of the insurance industry. Second, cross-border insurance intermediaries in the non-insurance industry under the Internet background have made market competition intensified; Third, there are transformation problems in traditional small and medium-sized intermediaries. Based on the analysis of various opportunities and challenges faced by insurance intermediaries in China under the Internet era, this paper puts forward the following suggestions for the development of insurance intermediaries in China: China's insurance intermediaries should pursue professional and service development, especially small and medium-sized intermediaries, which should be combined with their own professions. Advantages Strengthen cross-border cooperation and seek new ways of transformation in the data age. At the government and regulatory levels, when appropriate incentives for cross-border cooperation in insurance intermediaries should be strengthened, risk regulation during and after the transition of insurance intermediaries should be strengthened.
