Research On The Legal Institutions Of Personal Insurance Agent

With the "Insurance Law" amendment on April 24,2015,insurance sales practitioners qualification examination came to an end,and the insurance agent qualification certificate is no longer as a personal insurance agent practitioners of the prerequisites,the number of personal insurance agents in China ushered in new highs once again.As of the end of 2016,the number of personal insurance agents in China has reached more than 650 million people,the realization of premium income to 40% of annual income.How to regulate the behavior of personal insurance agents in the context of the cancellation of the insurance agent qualification examination has become an important task of the current insurance industry.Thus,this paper studies the relevant legal system of personal insurance agents from the divergences of legal relationship of personal insurance agents,and deeply analyzes the acquisition and loss system of individual insurance under the guidance of the independent legal status of personal insurance agents.We comb the legal rights and obligations of individual insurance agents and the rights and obligations agreed upon,and put forward the suggestions on the reform and perfection of the personal insurance agent system based on the existing supervision system.Studying the personal insurance agent legal system is of great significance to the development of the insurance industry.In the case of an insurance company,it helps to protect the insurance marketing activities and expand the coverage of the insurance.In the case of an insurance company,it is necessary to protect the insurance business and expand the coverage of the insurance.Made it helpful to reduce the losses caused by the practice of unauthorized agents and improve the status of the insurance intermediary market.The article includes introduction,text and conclusion,the text can be divided into five parts:The first part is the personal insurance agent legal dispute.In this part,the case analysis method is used to solve the legal relationship between personal insurance agents by analyzing the differences of doctrine and jurisprudence.The second part is the personal insurance agent legal status of the identified.This part uses the normative analysis method,from the commercial subject theory and the existing legal provisions of two aspects,the independent status of individual insurance agents to be identified.The third part is the acquisition and loss of personal insurance agent qualification.This part uses the comparative analysis method,through the comparison with the foreign personal insurance agent qualification system,found that China's personal insurance agent qualification system and the loss of the existence of the system problems.The fourth part is the rights and obligations of the personal insurance agent.This part is based on the rights and obligations of the insurance agent,and analyzes the legal rights and obligations of the individual insurance agents and the agreed rights and obligations in order to highlight the particularity of the rights and obligations of the individual insurance agents.The fifth part is the supervision of individual insurance agents.Under the background of the cancellation of the insurance agent qualification examination,the author puts forward the proposal of reform and perfection of the legal system of the individual insurance agent on the basis of the supervisory system composed of the government,the trade association and the insurance company.