我相信大部分朋友不了解与保险业相关的机构，包括保险监管机构、牌照学习与考试机构、行业自律组织和行业协会等。这些东西，不要说普通民众不太了解，许多保险业从业人员都不清楚。今天我就来给大家普及一下这方面的知识。 一、CCIR， Canadian Council Insurance Regulation，加拿大保险监管委员会 这个用国人的话讲，应该就是保监会的意思了，让人有一种好有权威的感觉。大家知道，在加拿大保险业务主要是由省级机构来管理的，而这个CCIR是加拿大联邦的机构，从监管就是权力的角度来说，它实在是没有什么实权，即没有现官现管的权力。不过，换个角度来看，它确是很有权力的，因为加拿大保险业的许多标准是它制定的，包括保险的法律法规和标准，是跨省级协调法律法规不同对保险业务造成影响的机构。从西方的角度来看，规则制定者才是真正的权力拥有者，这个CCIR的权力还真是大大地有。 官话如下： The Canadian Council of Insurance Regulators (CCIR) is an inter-jurisdictional association of insurance regulators. The mandate of the CCIR is to facilitate and promote an efficient and effective insurance regulatory system in Canada to serve the public interest. We work together to develop solutions to common regulatory issues.The Canadian Council of Insurance Regulators (CCIR) is an association of insurance regulators. CCIR’s strategic plan describes a vision for the organization into the future, outlining priorities and initiatives to be undertaken over a three year planning period. CCIR is one of the three members of the Joint Forum of Financial Market Regulators (Joint Forum). The other Joint Forum members are the Canadian Association of Pension Supervisory Authorities (CAPSA) and the Canadian Securities Administrators (CSA). It also includes representation from the Canadian Insurance Services Regulatory Organizations (CISRO). 二、CISRO，Canadian Insurance Services Regulatory Organizations，加拿大保险服务监管组织 这也是一个全国性的机构，是监管保险业服务标准的机构，也是通过制定服务标准来达到监管的目标，其主要监管对象是保险公司、保险中介组织（如brokerageMGAAGA）、保险经纪（insurance agent）和保险代理（insurance broker），同时协调各省的监管标准达到一致，与各省的监管机构有密切的合作。 大家看一下下面的图片，加拿大全国各省，甚至包括什么都要与联邦不一致牛逼哄哄的魁省的保险监管委员会也要与其合作。
官话是这样说的：
About CISROThe Canadian Insurance Services Regulatory Organizations is an inter jurisdictional group of regulating authorities who are dedicated to developing consistent standards of qualifications and practice for insurance intermediaries dealing in insurance of persons and property. Its goals and objectives include creating a common voice to deal with issues that may be of interest to other financial services regulators, consumers and intermediaries. MissionCISRO consists of the regulatory authorities for insurance intermediaries from all Canadian jurisdictions. The appropriate authorities from all jurisdictions in Canada are regularly invited and are welcome to participate in CISRO’s activities. The principal responsibility of members of CISRO is to administer the regulatory system applicable to insurance intermediaries under their authority. Though CISRO members cannot enact legislation, they are key advisors to their governments on regulatory issues related to insurance intermediaries. CISRO accomplishes its mission through meetings, conference calls and on-going communication among its members providing opportunities for sharing of information and working together in collaboration in the development of coordinated solutions to common regulatory issues. VisionHarmonized or mutually recognized qualifications and practice standards for insurance intermediaries to provide appropriate levels of consumer protection throughout Canada. 三、FSCO，Financial Service Commission of Ontario，安省金融服务委员会
从字面看起来，这是一个非常温柔的金融服务委员会，然鹅，这是一个灰常有权威的机构，其主要业务范围包括保险公司和保险代理或保险中介的牌照发放、更新、停牌处罚、吊销牌照等，按揭经纪的牌照也是这个机构管的。对保险公司和保险从业员的命要子有重大的影响力，可以说具有生死决定权。最近大多地区的一个“大大牌”保险经纪的牌照被吊销了，就是由这个机构做出的决定。客户对保险公司或保险经纪违法乱纪行为的举报就可以投递到这个机构去。 官话是这么说的：
FSCO was established under the Financial Services Commission of Ontario Act, 1997 (FSCO Act) with a legislative mandate set out in the FSCO Act. FSCO’s legislative mandate is to provide regulatory services that protect the public interest and enhance public confidence in the sectors it regulates. FSCO regulates the insurance sector; pension plans; loan and trust companies; credit unions and caisses populaires; the mortgage brokering sector; co-operative corporations in Ontario; and service providers who invoice auto insurers for statutory accident benefits claims. FSCO is accountable to the Minister of Finance. In order to support FSCO’s legislative mandate, the FSCO Act sets out a three-part structure for FSCO, which includes the Commission; the Superintendent of Financial Services and Staff; and the Financial Services Tribunal (Tribunal). 从这些简简单单的legislativemandate
egulatestatutoryprotect等字面上就能看出这个机构的威猛，特别是对保险与按揭业务的从业者来说，当然反过来看，这个机构却是公众利益的保护神。
注：在这里我想插进来解释一下agent 与broker的区别。 Agent是中介，即中间人；Broker是代理人代理商的意思。这两种人的角色不但普通民众搞不清楚，甚至保险从业员也不见得搞得清楚，可能的原因是英文与中文的翻译，造成这两种角色似乎是同一个意思的感觉。不过，还是有区别的。一般来说，人寿保险的中介，叫做 insurance agent；而财险的代理人叫做insurance broker。（本人两者兼具。）其主要区别在哪里呢？人寿保险可以part-time做，但财险不可以。财险必须全职做。说到这里大家可能会疑问，那你为何可以做两种保险呢？这是财险所特事特办的，即做财险业务的同时兼做人寿业务是可以的，但其他自雇业务，如地产经纪、按揭经纪、投资顾问等业务是不可以做的（本人在考了财险牌照之后，就不得不放弃互惠基金牌照）。如果不做财险业务，只做人寿保险，那就可以兼做按揭或地产经纪业务。 四、RIBO，Registered Insurance Broker of Ontario，安省注册保险代理人机构 这个机构是个保险业自律组织，主要负责财险业务的牌照培训考试和财险代理人行为准则制定的机构。 官话是这么说的： The Registered Insurance Brokers of Ontario (RIBO) is the self-regulatory body for insurance brokers in Ontario. Established in October 1981, RIBO regulates the licensing, professional competence, ethical conduct, and insurance related financial obligations of all independent general insurance brokers in the province.
Mission, Values & VisionOur VISION is to be a centre of progressive regulatory excellence for Ontario insurance brokers and the public they serve. We are driven by our shared VALUES of: Fairness Integrity Sensitivity Knowledge
Our MISSION is to serve the public and regulate the profession.
五、IBAO，Insurance Brokers Association of Ontario，安省保险经纪人协会 这个一看上去就是一个民间组织，主要干一些跟保险经纪人培训考试相关的活。 六、Assuris 我不知道该怎么解释这个机构，它不是一个公司，而是一个非盈利机构，是为人寿保险公司破产倒闭的最终处置者（包括理赔与找到失败公司的接盘侠）。它不可以称为再保险公司（因为再保险公司还是保险公司，业务在做再保业务），而这个Assuris是政府为人寿保险公司进行兜底的保险机构，它与CDIC（Canadian Deposit Insurance Corporation)之于银行是同一个道理，是这样的一个机构。（本人有专门写过一篇文章，题目是《保险公司倒闭了怎么办？》，有兴趣的朋友可以点击或搜索查看。） 官话是这么说的：
Assuris - Protecting your life insuranceAssuris is the not for profit organization that protects Canadian policyholders if their life insurance company should fail. Our role is to protect policyholders by minimizing the loss of benefits and ensuring a quick transfer of their policies to a solvent company, where their protected benefits will continue. Every life insurance company authorized to sell insurance policies in Canada is required, by the federal, provincial and territorial regulators, to become a member of Assuris.
保险是一个各行业各机构以及社会各个层次利益的综合和缩影，其影响面是极其广阔的，所以其法律法规是非常的严格和完善的。保险业不但有各省级政府的监管机构、联邦机构、行业自律组织参与其中，消费者与商业关系部、劳动部等政府部门涉入其中，除了保险方面的法律要求，隐私法、个人信息保护和电子数据法也参与其中、还有雇佣方面的法律等要求。 上述文章内容仅为信息参与，并非任何形式的保险意见或建议。你若有保险方面的问题，请咨询专业合格的保险顾问，以获取与你情况所吻合的建议。若你愿意，也可直接与本人联系寻求专业意见。本人电话：4163004768
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