Research On The Legal Regulation Of Insurance Agent

In modern society, insurance has been quietly into every person’s life, the development of the insurance industry to promote the development of the insurance agents, the insurance agent becomes increasingly important status as a connection of insurance companies and insurance consumers,the function of the insurance agent also more and more obvious, but until now the insurance agent system development, fraud, embezzlement and behavior which broke the law or rules emerge in endlessly, Insurance agent market urgently need to establish a set of strict legal regulation system to regulate the behavior of the insurance agents. At present, financial industries supervised respectively and insurance was regulated on the same way, ignoring the differences between insurance agents and insurance companies and other insurance intermediaries, combined with the defective legal system and scarce supervision experience exacerbated the insurance agent market disorder and confusion. While the market economy rapid develops, product innovation as one falls another rises, the regulation of insurance agents faced with new challenges, the emergence of exclusive insurance agency, network insurance, insurance intermediary group calls for more perfect legal supervision, stronger regulation, more forward-looking rules. As the economy, market, resources globally, the construction of the supervision system of the insurance agent should also comply with the trend of The Times, fully considered international standards but not lose its nature, only in this way can embody China’s characteristics.While this article discusses the legal supervision system of insurance agent, the author combined theory with practice, rules with idea, analyzed the concept, characteristics and the status of insurance agents, the market development situation, the emerging development of insurance agent market and the traditional insurance agent market dilemma, to reveal the deficiency of legal supervision system, and through the historical change of international insurance regulatory patterns and the introduction of the United States, Britain and other countries insurance mode to put forward opinions and suggestions of perfecting our country’s insurance agent legal regulation.Thesis is divided into three parts, the first part introduce the basic situation of insurance agent in four aspects, first, starting from the concept and characteristics of insurance agent preliminary introduce insurance agent, then we will have a initiatory understanding of the insurance agents, and then, based on the classification of insurance agent in our country, we will get more detailed about the structure and the situation of insurance agents, again the paper through the statistics of the relevant data to discuss the status of the insurance agent in the insurance intermediary market and the development situation at present, to provide more facts to perfect insurance agent regulatory legislation, finally we discusses the legal status of insurance agent, by illustrating the legal relations of the insurance agent and the insurer, insurance consumer to explain what rights and obligations the insurance agent should have, to provides the basis of the supervision and discover the law blank.In the second part of the article discusses the legal regulation of the current insurance agent system, it belongs three blocks, the first introduces basic insurance regulatory system in our country, mainly from the goals and principles of the regulation, secondly through the establishment of emerging insurance agents such as network insurance, the insurance intermediary group, exclusive insurance agency to illustrate the insurance regulation should keep pace with The Times and the rules should forward-looking, At the same time, a detailed discussion on present situation of traditional insurance agent to find the deficiency of the regulation system in our country; Finally according to the second part of our country insurance agent problems of legal supervision system, such as the regulatory model, severe monetary penalties instead of regulatory means, the defect of legal system, the supervision lack of depth, the essay discusses from the aspects of macro system and the insurance professional agencies, concurrent-business insurance agencies, individual insurance agent to help us to earn the more clearly understand of the deficiency about the regulation system.The third part puts forward opinions and suggestions of perfecting our country’s insurance agency supervision system, is based on the first part and second of this article. This part elaborates the change of international insurance regulatory model, and United States, Britain and other developing countries regulation experience, Mainly through investigation of the United States, Britain and other developed countries insurance agent, legal and regulatory system and reference, analysis of the insurance agent supervision have in common and outstanding experience, combined with the actual situation of the development of China’s insurance agent, on the basis of the existing legal system, to put forward to strengthen the legislation and regulation, regulatory restrictions on administrative, from a legal point of view change superintends mode, play the role of industry associations in the training, publicity and other systems, through legal means to strengthen the internal management of insurance companies and insurance agents better supervision behavior, so as to perfect the legal supervision system of insurance agents in China.In a word, Time and tide wait for no man to build complete legal supervision system of insurance agent, from the aspects of the subject, the behavior and the responsibility of the insurance agent to strengthen supervision and regulation efficiency, only enhance the supervision of the law about the insurance agent can better protect the interests of the insured, promote the stability of the insurance market and the social economic prosperity.