Research On The Legal Issues Of Supervision And Management Of Insurance Agent

Insurance agent, as with the insurance broker and insurance assessor, is an essential constituent of national insurance intermediary system. It is also an important means to expand insurance business and provide other value-added services, which is widely employed in various countries. With the recovery of the insurance business, the insurance agent market in our country begins to develop gradually. It experiences the change of the era from concurrent-business agent monopolizing the market into the common development and classification management of three kinds of agents. Now, it has become the main part of the premium income in our country. Due to the short development time and fast progress, with the increasing of number of the agents, on the one hand, it brings convenience to the insurance transaction market; on the other hand, the corresponding supervision system has not synchronically catch up with the development of the insurance agent market which causes great difficulties to the implementation of supervision measures. Therefore, it is in need of perfecting the corresponding supervision system so that we can avoid the illegal operations of the insurance agent market and make it develop healthily and orderly in our country.The study of the supervision on insurance agent in this thesis is of its broad implication aiming at discussing the supervision on insurance agent from the perspective of law.This paper use the case of Fan Xin insurance agent company’s manager absconded with the money,in the year of2014,draw forth the following context. With the method of comparative study,analysis of the European and Asian representative national regulatory system and combine with the actual development of our country insurance agent market to put forward suggestions for the improvement of the existing system in China. In recent years, both on the concept of regulation and system in our country has made a great change, such as the insurance ten opinions in2014fully reflected the concept of regulatory change.The thesis synthetic analysis of the latest promulgated regulations and the combine with theoretical research.Aiming at the existing system vulnerabilities and proposed my adviced.This thesis is divided into three main parts.The first parts discuss the ideas of supervision on each development stage of the insurance agent market in our country in details, and summarize the legal basis and realistic basis of the transformation of the supervision ideas. And the thesis points out the current ideas of supervision on the insurance agent in our country through the analysis of the content of the latest promulgated Country10in insurance industry.The second part summarizes the short- and long-term goal for the supervision on the insurance agent at the present stage in our country. Taking the typical countries in Europe and Asia as examples, this thesis generalizes the insurance agent supervision model mainly adopted around the world nowadays, analyzes their advantages and deficiencies and, combining with China’s reality, points out the existing problems in current insurance agent supervision model in our country and puts forward the author’s corresponding suggestions.The third part discusses the status quo of the supervision on professional agents, concurrent-business agents and individual agents, figures out the problems in the supervision excise and proposes targeted improving suggestions.