美国纽约州保险中介报酬开示制度及启示

发布时间：2018-01-19 21:22

本文关键词： 保险契约保险中介投保人保险佣金报酬开示　出处：《西南金融》2014年05期 　论文类型：期刊论文

【摘要】：2004年,纽约州检察官通过调查发现一些大型保险中介机构为了从保险公司获取高额佣金而向投保人推销不具适合性的产品,甚至通过欺诈方法促使投保人购买高额保险。检察官的调查结果引起保险监管机构高度重视,并启动了立法程序,建立了保险报酬开示制度,以更好地维护保险消费者正当权益。保险界特别是保险中介机构对纽约州这一立法提出了反对意见,甚至呼吁废除这一制度,但出于该制度所具有的重要意义,保险监管机构并未表现出妥协态势。纽约州保险报酬开示制度对我国具有一定启示意义,我国亦有必要借鉴这一制度维护保险消费者的权益。
[Abstract]:In 2004, New York State prosecutors investigated and found that some large insurance intermediaries were selling unsuitable products to policy holders in order to obtain high commissions from insurance companies. Even through fraud to encourage policyholders to buy high insurance. The prosecutor's investigation results caused the insurance regulators to attach great importance to, and started the legislative process to establish the system of disclosure of insurance remuneration. In order to better safeguard the legitimate rights and interests of insurance consumers. The insurance industry, especially the insurance intermediary, raised objections to the legislation of New York State, and even called for the abolition of this system, but because of the importance of the system. The New York state insurance reward disclosure system has certain enlightenment significance to our country, and it is necessary for our country to use this system for reference to safeguard the rights and interests of insurance consumers.
【作者单位】：河北大学政法学院;
【分类号】：F847.12
【正文快照】： 保险报酬开示是指保险中介(包括保险代理人和保险经纪人)在推销保险产品时,有义务以书面方式向投保人公开自己从保险公司获取酬金的比例及数额,若保险公司给予其他利益,还应公开此类其他利益。建立报酬开示制度目的是防止保险中介人对投保人只推销佣金比例高的险种,确保投保人

【参考文献】