| In the insurance industry, misleading sales is still a chronic illness, the China Insurance Regulatory Commission recently released data show that, in the first three quarters of this year, life insurance sales misleading happens2090times accounting for83.97%of the life insurance companies illegal complaints. Insurance sales misleading conduct aroused much public criticism. Due to the lack of definition of the sales of misleading conduct, lack of relevant personnel accountability based on a variety of reasons, the insurance industry sales misleading conduct intensified, and even hurt the integrity of the foundation of the development of the insurance industry. The misleading sales great harm, not only directly against the legitimate rights and interests of the insured and the insurer, easily lead to the occurrence of mass incidents concentrated surrender may even lead to public distrust of the whole industry, threatening the long-term development of the industry. In the transformation of China’s insurance industry under the new situation, how to solve the problem of misleading sales is concerned about the research focus of many scholars.This paper, based on the document classification and spot investigation, aims to review and reconstruct life insurance misleading sales and govern in terms of the definition and features of life insurance. The concrete content and main viewpoints is summarized in the following.Introduction illustrates the purpose and meaning of this paper, the study state, content and structure.Chapter one the definition of insurance salesmen and insurance sales misleading. This chapter summarizes the definition and features of insurance salesmen and the definition life insurance misleading. This chapter also analyzes the meaning insurance sales misleading in terms of its nature and content. Chapter two the representation of insurance sales misleading. This chapter describes the performance of insurance sales misleading which based on actual cases.Chapter three the review of the reason why insurance sales misleading happened. The first part of this chapter analyzes several popular reason of insurance sales misleading happened. The second part of this chapter describes the damage of insurance sales misleading.Under the guidance of chapter three, chapter four, as the corn of this thesis, is devoted to analysis of the method of how to control the insurance sales misleading, which makes summary and suggestions for this paper.The creative point of this thesis is to break through the traditional research way, and to make a research. on the life insurance sales misleading and control. |
