Life Insurance Agent System Research

Along with the development and maturities of the socialism market economy, people further deepen to the safe understanding, the safe demand strengthens day by day, the insurance function is more prominent, the development foundation and the condition are day by day mature. The State Council has promulgated "the State Council in 2006 about Insurance business Reform Development Certain Opinions"."Opinion" further was clear about the insurance business to develop the localization at the economic society, has solved the insurance business development localization problem from the theory and the practice, clarified has developed in the overall situation to the insurance business at the economic society the status and function some fuzzy understanding, integrated the economic society for the insurance business to develop the overall situation, really to do on the spot well makes the strong strategic target to provide the theory basis and the practice foundation greatly.From on century the beginning of 80's, China restores the life insurance account executive, the life insurance already crosses more than 20 year ultra conventional caper type development, becomes in the national economy to develop one of quickest professions.But in 1992 the life insurance agent system which introduced by American Ally Insurance company to promotes the Chinese life insurance industry initial period fast to develop the positive impetus function. Follows China to join WTO, the fulfillment being WTO entry pledge, the Chinese insurance business market complete opening to the outside world, how does the present life insurance agent system overcome and melts own many questions, the model various countries life insurance agent system experience and the pattern, the establishment suits the socialist market economy also is rich in the Chinese characteristic the life insurance agent institutional framework, becomes an extremely urgent subject. This article first carries on the analysis from the civil law proxy theory and the insurance proxy angle to the life insurance agent system's basic principle, from this defines clearly the life insurance agent's concept, with the related concept difference and the type and so on elementary knowledge, carried on to it in China's development process has combed .Then to American, Japanese, Taiwan and Hong Kong area's life insurance proxy system carries on the comparison and the analysis, summarizes may supply the successful experience which our country insurance business use for reference. Then through the case analysis, the union massive objective data carries on the analysis to our country present life insurance agent system, points out our country present stage life insurance agent system existence many malpractices. Finally, based on to the first several chapter of discussions, proposed target-oriented consummates our country life insurance agent system's conception and the suggestion, acts the market by the time to the fast development's Chinese life insurance to have the enlightenment.