第6部份：保險業監管框架

正確答案 / Correct Answer: A

• 自2019年9月23日起，所有保險中介人改由保監局直接發牌。
• 在此之前採用自律規管制度，由IARB（保險代理登記委員會）、CIB（香港保險顧問聯會）及PIBA（專業保險經紀協會）三個自律規管機構負責。
• 該三個自律規管機構已於同日停止自律規管職能。

• Since 23 September 2019, all insurance intermediaries have been licensed directly by the IA.
• Prior to that, a self-regulatory system operated through three SROs: IARB (Insurance Agents Registration Board), CIB (Hong Kong Confederation of Insurance Brokers) and PIBA (Professional Insurance Brokers Association).
• All three SROs ceased their self-regulatory functions on the same date.

正確答案 / Correct Answer: A

• 保險代理代表一間或多間保險公司，向保險公司負責。
• 保險經紀則代表客戶，獨立地為客戶尋找合適保險產品。
• 因此兩者所負的受信責任對象不同。

• Insurance agents represent one or more insurers and owe their duty to the insurer.
• Insurance brokers represent clients, independently sourcing suitable products for them.
• Hence their fiduciary duties are owed to different parties.