Research On The Legal System Of Agricultural Insurance Agent

In recent years, with the rapid development of China’s agriculturalinsurance industry, the lack of agricultural insurance agent system isaroused widespread concern. Due to the lack of agricultural insuranceagency system specific laws and regulations, agricultural insurance agencycopy general insurance agents in the relevant system, leading to seriousdiscrepancies with the development of agricultural insurance and practice.Therefore, the agricultural insurance agency system based oncomprehensive study and discussion, to the standard of China’sagricultural insurance agent behavior, protect policyholders, insured ’slawful rights and interests is of great theoretical value and practicalsignificance.The agricultural insurance agent refers to in agricultural insurancemarket trading activity, according to the underwriter entrust, within thescope of the authorization to transact insurance business on behalf, and inaccordance with the business volume to insurance agents who charge fees organizations or individuals. Agricultural insurance agent’s qualificationson the basis of the existing based on the characteristics of agriculturalinsurance, insurance agent, practice for appropriate improvements.Professional organization of agricultural insurance should relaxrestrictions on agricultural insurance organization, partnership, soleproprietorship-type agricultural insurance development professionalagencies to achieve diversification of China’s agricultural insuranceagency. Agricultural business of an insurance agent, should only allow itsagents to sell insurance products, collecting premiums, restrictions onagricultural insurance loss survey and claims processing business.Agricultural insurance brokerage fees should be based on the existingbasis to improve characteristics of agricultural insurance, insurance agent,rich agricultural insurance brokerage criterion, in particular on the meansof payment, according to the flexible system with average commissionssuch as the period of insurance. Agent supervisors for agriculturalinsurance, should change by the China insurance regulatory Commissionoversight of policy agricultural insurance system, the creation of specialized agricultural risk board strengthen the supervision ofagricultural insurance.