我国个人寿险代理人制度实践问题研究

发布时间：2018-10-30 19:30

【摘要】：个人寿险代理人在保险人的授权范围内代办寿险业务，是连接保险人和投保人的重要桥梁。但随着保险市场二十多年的发展，基于这种委托——代理关系的个人寿险代理人制度也逐渐暴露出种种问题：个人寿险代理人留存率不高、低收入代理人税赋重以及高素质人才少等。造成这些问题的原因是多方面的，本文认为当在个人寿险代理人的权利义务不对等，且其合理要求被漠视的情况下，个人寿险代理人才会更容易利用信息的不对称来谋求自身的利益，产生逆向选择和道德风险。为此，应从以下三个方面完善个人寿险代理人的权利义务：首先，要完善相关法律法规，明确个人寿险代理人的法律地位，，解决目前个人寿险代理人和保险公司之间委托代理关系和事实劳动现象并存的问题；其次，要加快监管体系的建设，强化有法可依、有规可循的执法力度，增加个人寿险代理人的违规成本；再次，要积极探讨保险公司的管理思路，丰富个人寿险代理人的存在形态。
[Abstract]:Personal life insurance agent acting life insurance business within the scope of the insurer's authorization is an important bridge between insurer and policy holder. However, with the development of insurance market for more than twenty years, the system of personal life insurance agent based on the principal-agent relationship has gradually exposed various problems: the retention rate of individual life insurance agent is not high. Low-income agent tax heavy and high-quality talents and so on. There are many reasons for these problems. This paper holds that when the rights and obligations of individual life insurance agents are not equal, and their reasonable demands are ignored, Personal life insurance agents can more easily use asymmetric information to pursue their own interests, resulting in adverse selection and moral hazard. Therefore, we should perfect the rights and obligations of personal life insurance agents from the following three aspects: first, we should perfect the relevant laws and regulations, and clarify the legal status of individual life insurance agents. To solve the problem of the co-existence of the principal-agent relationship and the de facto labor phenomenon between the personal life insurance agent and the insurance company; Secondly, we should speed up the construction of the supervision system, strengthen the law enforcement force that has laws and regulations to follow, and increase the illegal cost of personal life insurance agent; Thirdly, we should actively explore the management ideas of insurance companies to enrich the existence of individual life insurance agents.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62

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