| Within the insurer’s authorization, the personal life insurance agent deals with the relevantlife insurance business.It is an important bridge between the insurer and the insured. Butwith the insurance market more than20years of development, the personal life insuranceagent system is gradually exposed various problems based on the principal--agent relation:the personal life insurance agent’s retention rate is not high, the low-income agent taxedheavy and high-quality talent is not enough etc.. The causes of these problems are in manyaspects, this paper thinks that when the rights and obligations of the personal life insuranceagent are not equal, and their reasonable requirements were ignored, the personal lifeinsurance agent will be more easy to make use of information asymmetry to seek their owninterests, produce the adverse selection and moral risk. Therefore, to basically equal therights and obligations of the personal life insurance agent,we can follow the three aspects:first, need to improve the relevant laws and regulations, and clear the personal life insuranceagent’s legal status, to solve current problems of the agency relationship and the real laborphenomenon coexist between the personal life insurance agent and insurer; secondly, needto accelerate the construction of the supervision system, strengthen the enforcement of lawand rule-based, increase the violation cost of personal life insurance agent; thirdly, need toactively explore the management of insurance company, to enrich the forms of the personallife insurance agent. |
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