成熟的保险市场应具有保险人、保险中介人、被保险人三个要素。在一个完善的保险市场中,应该同时存在一个健全的保险中介市场。保险中介市场对于处于信息不对称弱势的被保险人来讲尤其关键。大型能源项目的建安险、营运保险等保险标的动辄数十亿美元,风险相对集中且巨大,投保时保险费率的微小变动便会导致 Mature insurance market should have the insurer, insurance intermediary, the insured three elements. In a perfect insurance market, there should be a sound insurance intermediary market. The insurance intermediary market is particularly critical for insured people who are under-represented by the information asymmetry. Large-scale energy projects such as construction and insurance, operating insurance and other insurance tenacity often billions of dollars, the risk is relatively concentrated and huge insurance premiums when the insured changes will lead to minor changes