我国个人保险代理人劳动法主体资格认定研究

发布时间：2018-05-16 19:47

本文选题：个人保险代理人 + 代理关系　；参考：《华中科技大学》2016年硕士论文

【摘要】：1992年,个人代理营销模式由美国友邦保险公司引入中国市场,二十四年来,个人保险代理人推动了我国保险业的高速发展。个人保险代理人成为保险公司特别是寿险公司开展业务的主力军,对寿险业的发展意义重大。然而作为一个行业发展不可或缺的力量,个人保险代理人却没有得到相应的劳动权益保护,各项保障和福利严重缺失,究其根源在于个人保险代理人与保险公司之间的复杂关系。在法律定位上,个人保险代理人和保险公司是一种委托代理关系,签订的是代理合同而不是劳动合同,不属于劳动关系。而在现实工作中,企业并没有严格按照代理关系去规范其与个人保险代理人的关系,而是对其进行类似员工化的管理,从而形成一种代理关系和劳动关系同时存在的混合状态。这种模糊不清的状态使得保险公司一方面对个人保险代理人行使了用人单位的管理权力,另一方面又可以以代理关系为由规避用人单位应该承担的劳动保障和福利义务。为了促进保险行业持续健康发展,做好保险市场主力军之一的个人保险代理人的利益保障工作,必须改革现行的代理制度,重新定位个人保险代理人的法律主体地位。本文通过对我国个人保险代理人生存状况的实证调查,从实际出发,分析了其尴尬的生存处境,如法律地位不明确、双重税收政策、员工式管理、行业自我约束机制不规范等。通过对比代理制和员工制两种保险营销用工模式的差异,结合我国保险业发展现状,再参考国内外保险代理制度的发展经验,本文提出赋予个人保险代理人劳动法主体资格,给予其劳动者身份,让其行使劳动者权利并承担劳动者义务。具体措施为通过保险公司成为劳动法主体、通过保险中介公司成为劳动法主体、通过劳务派遣公司或服务外包公司成为劳动法主体。以此来保障其劳动权益,从而完善我国保险营销体制,保障我国保险行业朝着持续良性方向发展。
[Abstract]:In 1992, the personal agent marketing model was introduced into the Chinese market by the American International Insurance Company. In the past 24 years, the personal insurance agent has promoted the rapid development of the insurance industry in China. The personal insurance agent becomes the main force of the insurance company, especially the life insurance company, which is of great significance to the development of the life insurance industry. However, as an indispensable force in the development of an industry, individual insurance agents have not received the corresponding protection of labor rights and interests. The root of the problem lies in the complex relationship between the individual insurance agent and the insurance company. In the legal position, the personal insurance agent and the insurance company are a kind of principal-agent relationship, what sign is the agency contract, not the labor contract, does not belong to the labor relation. But in the actual work, the enterprise does not strictly according to the agency relationship to regulate its relation with the personal insurance agent, but carries on the similar employee management to it, thus forms one kind of agency relations and the labor relations simultaneously exists the mixed state. This vague state makes the insurance company on the one hand exercise the management power of the unit of choose and employ persons to the individual insurance agent, on the other hand, it can evade the labor security and welfare obligations that the employer should undertake on the basis of agency relationship. In order to promote the sustained and healthy development of the insurance industry and to do a good job in protecting the interests of the individual insurance agents who are one of the main forces in the insurance market, we must reform the current agency system and reposition the legal subject status of the individual insurance agents. Based on the empirical investigation of the living conditions of individual insurance agents in China, this paper analyzes their awkward living conditions, such as unclear legal status, double taxation policy, employee type management, and non-standard self-restraint mechanism of the industry. By comparing the difference between agency system and employee system, combining the current situation of insurance industry development in our country, and referring to the development experience of insurance agency system at home and abroad, this paper puts forward to endow individual insurance agent with the main qualification of labor law. Give them the status of workers, let them exercise the rights of workers and undertake the obligations of workers. The specific measures are to become the main body of labor law through insurance company, to become the main body of labor law through insurance intermediary company, to become the main body of labor law through labor dispatch company or service outsourcing company. In order to protect its labor rights and interests, improve our country's insurance marketing system, ensure that our country's insurance industry continues to develop in a benign direction.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.284;D922.5

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