Lack Of Ethics Of The Life Insurance Agent System

This research mainly reviews Chinese and western insurance agent system, the discussion of China's life insurance individual agency system, puts forward the ethical lack insurance individual agent system ethics missing management (and international reference) opinion. Our opening agent system is not perfect mature, the sales way for tactical crowd the healthy development of the insurance market also brings the enormous influence. Because insurance agent system is not perfect, management and supervision system is not perfect, the rapid development of insurance industry, meanwhile, various ethic morality flaw also arises at the historic moment, the insurance complaints about with attorneys dispute, litigation growing. Events Although China life insurance agent system for the study, is not much fresh questions. But most of all, from market phenomena from economics, finance, insurance law, or enterprise cultural perspective on market anomie, the lack of agency system. Not from this system itself rions are good, from ethics perspective to study our agent system itself. This paper to our country life insurance agent system lack inspection, is want from social, historical, ethics, institutional, exact say the perspective of institutional ethics in the special situation this agent system. Detail, beauty, Japan in insurance agent system. Through and beauty, day in the marketing system, training system, salary treatment in comparison, found life insurance agent the characteristic of the system. China life insurance are introduced in detail, the lack of personal agent system, institutional ethics on, down to the lack of corporate ethics. In system ethics, introduces emphatically the state on whole insurance institutional ethics defects and enterprise system ethics of missing. Concrete from the legislation system, supervision system, contract signing, remuneration and employee security system﹑ training incentive system, moral sanction, market credit to study China life insurance agent system flaw. According to the way. Missing find governance National system ethics governance: 1 to improve the legal system, strengthening agent certificate of two management, improving the agent qualification approved standards. In order to strengthen the agent's quality. 3, a special engaged in the exploration of public institutions claim. Enterprise system ethics governance: 1,in salary system implemented the policy commission long-term system or eventually period is made, but to relative reduce early insurance commission percentage, especially the commission percentage. 2,recruitment system on insurance company can implement some special incentive security plan. 3,in promotion system, we can draw lessons from Japan's experience. Insurance agent qualification for the division of grades, divided into elementary, intermediate and advanced insurance agent qualification system. Individual moral governance: 1,establish faithless and illegal punishment mechanism. 2,displays profession self-discipline. 3,the concept of good faith education and legal regulations of the training. So, we each insurance agency personnel should in moral choice of appropriate hold good moral conflict, will different moral concept and behavior motivation combined, make moral selection and moral conflict can mediate, juggle both in their coordination, and to cultivate their moral standards. System to resort to justice, equality, freedom, concept, system design is reasonable, using the appropriate, fully contains ethical value, in the role of economic markets will be more obvious embodiment. The reasonable system of reasonable, we should not resort to system ethical issues, let the reasonable system itself to give full play to its advantages...