Study On Insurance Agency System In China

With the development of insurance industry, insurance agency develops fast and becomes a very important force to put the insurance industry forward, and it also has important influence on our state's economy. But the imperfectness of China current insurance agency leads to many unwanted disputes and hinders the healthy development of insurance industry. In order to take a thorough look at our insurance agency, this dissertation takes the problems of our insurance agency as the research core, focuses on the perfecting of our insurance agency, and studies the related issues such as, the concept, the characteristics and types, the need for existence, rights and obligations, the history of insurance agency, problems and solutions and other related questions to do an in-depth study. In addition, this dissertation provides many countermeasure for the problems of insurance agency. So as to perfect the system of our insurance agency. Thus this dissertation suggests that reforms must be taken in insurance systems to meet the development of the insurance business. To ensure that in the international financial crisis environment it can still be a healthy and scientific development.The whole text is divided into three parts. The first part discusses the insurance agency in general, which contends the concept, the characteristic and types, the need for existence and its rights and obligations. The understanding of the insurance agency is be expatiated at the part of its concept. The insurance agents are the attorney of the insurance company. All the insurance business by the insurance agents are undertaken by the insurers. About the characteristics of insurance agents, mainly in the following five-point: First, the consequences of civil legal activity by the insurance agency are eventually borne by the insurer; Second, the insurance agents should establish a civil legal relationship between the insurance applicant and the insured person; Third, the insurance agents must be independent to carry out activity at the agent competence; Fourth, the insurance agents must adhere to market-oriented operation; Fifth, the insurance agent must act in accordance with the law. In China, insurance agents are divided into individual insurance agents, concurrent agents and professional insurance agents. The development of our insurance agent system is the urgent need to perfect the market system and can improve the insurance market in the situation of asymmetric information. It also can improve the operating level of the insurance industry. In order to achieve the scale of expansion of the insurance industry to adapt to the internationalization of the insurance market, we also need a perfect insurance agents system. Finally, this article expatiate the rights and obligations of insurance agents in order to regulate the insurance agent's acts.You can find the history of the insurance agent, its current situation and existing problems. This text weights a lot on this part. This section first describes the development of our insurance agent system history, divided into six stages to describe separately the details of each stage of development in order to facilitate the system of insurance agents preliminary trends. And through a series of up-to-date statistical data, analyzing the current development of our insurance agent system. To prove that the system of insurance agents in the insurance market can not be replaced and exposed some shortcomings, thereby further excavation of deep-seated causes of the problem exist. In order to find the excavation of deep-seated causes of these existing problems. Finally are the focus of that part , analyzing the existing problems of our current system of insurance agents, the main problem there is the following: First, there are serious credibility problems of our insurance agency. Honest is the prerequisite and foundation of the activities of insurance agents. Here through a detailed introduction of insurance agent's missing credit behavior, analyzing the adverse impact on these behaviors; Second, the financial crisis challenged our insurance agent system. At this time of financial crisis sweeping the globe, our insurance agent system have both opportunities and challenges; Third, the legal status of individual agents is not clear. This will cause a series of hidden dangers in the future development of our insurance agency; Fourth, the retired insurance agent from a high rate. This is mainly caused by two reasons, first, the legal status of agents is not clear; second, insurance companies incentives are unsound; Fifth, the insurance agent's overall quality is low. At present, our insurance agents'professional quality and service levels have yet to be improved; Sixth, the development patterns of insurance agent needs to be improved. At present, the individual agents received rapid development, the development of concurrent agents has also been significant progress. But the development of professional agents is still difficult. on the existing system of insurance agents to change the development model seems more and more urgent. Changing the existing system of insurance agents seems more and more urgent; The supervision of our insurance agency exist loophole. Whether it is the China Insurance Regulatory Commission, insurance companies or industry self-regulatory body, the regulation of insurance agents have yet to be strengthened; Eight, the legal system of the insurance agency is imperfect. This makes the development of insurance agents system showing chaos loose, hampering the development of our insurance agency; Ninth, the development of insurance agent is inter-regional unbalanced. The problem of insurance agents'uneven development need to be solved. This section through in-depth, detailed study on the system of insurance agents in the development of the existing problems and the causes of these problems and hazards, in order to find the next step to improve the system of insurance agents to provide a line of thought.The third part of this dissertation is stratagem and suggestion of perfecting insurance agent system. In this section , for the current system of our insurance agent problems in the second part, one by one put forward solutions: First is necessary to improve the information disclosure system, establish the credibility of our insurance agent hierarchy. To create a favorable credit environment in which the conduct of insurance agents more standardized, consistent with the requirements of good faith; The second is necessary to improve the integrity of legal system and the promotion of dishonesty punishment system promises increased costs through the use of a sound legal system to restrain insurance agents; Third, design scientific and rational incentive mechanism, making the legal status of agents clear, stabilizing the ranks of agents to reduce the high insurance agent from retirement rate; Fourth, perfect the training system and strive to improve the quality of the insurance agent; Fifth, setting up government regulation, industry self-discipline, enterprise and social self-control and supervision of four-in-one insurance agent monitoring system; Sixth, perfecting the development model of our insurance agents, developing professional agencies, properly developing the concurrent agencies and limiting the development of the individual agents of development; Seventh, increasing the insurance marketing channel for insurance agents to provide a broader commercial space. Through the implementation of these measures, our insurance agent system can be perfect, even under the influence of crisis .In order to promote the prosperity of our insurance industry .