Research On Supervision Of China Insurance Agent

With comprehensive deepening reform in an orderly manner, financial liberalization and marketization of interest rates has become an inevitable trend. Today China, as an important part of financial insurance, and plays in the process of China’s economic development in the increasingly important role in people’s social life is more and more prominent. Since 2001, joined the WTO, the openness of China’s insurance market growing wider, very rapid development of the insurance industry, the insurance business transactions become more frequent, the insurance market gradually improved, more and more innovative insurance theory, get a clear idea of insurance changes in the insurance industry is to improve the capacity and level of economic and social services, functions and gradually increase the role of insurance.The rapid development of the insurance market, of course, is inseparable from insurance agents to expand the team. However, the case that the executive of Shanghai Fanxin insurance angency run away with lots of money give a lesson to the rapid development of China’s insurance agency industry. As the saying goes, no rules no standards, the rapid development of the insurance agency market needs with the support of the regulatory system. While China’s insurance intermediary industry has made great progress, but compared to Western countries, China’s insurance agency industry started late, in markets, products, services, ideas, and regulatory content and modalities, there are many problems. Therefore, the regulation of the insurance agent is not only the healthy development of the insurance industry needs, but also the financial liberalization, interest rate market imperative. Depth study of China’s insurance agent supervision, to protect the interests of the insured, the insurance agency to maintain market stability and ensuring the security of insurance funds and to promote the healthy development of the insurance industry has a very important significance.This paper focuses on the regulation of China’s insurance agent study, the first part is an introduction, specific description of the research background, significance, literature review, and the lack of innovation. The second part describes the case that the executive of Shanghai Fanxin insurance angency run away with lots of money. The third part is the case study analyzes the status quo of China’s insurance regulatory agents and the problems that currently exist. The fourth part of international comparative experience and enlightenment to China, introduced the United States, Japan, Singapore, Hong Kong and other international advanced insurance agents supervisory experience and enlightenment to China summed up the regulation of insurance agents. The fifth part of the countermeasures and suggestions to improve the regulation of insurance agents proposed.