【摘要】：個(gè)人壽險(xiǎn)代理人在保險(xiǎn)人的授權(quán)范圍內(nèi)代辦壽險(xiǎn)業(yè)務(wù)，是連接保險(xiǎn)人和投保人的重要橋梁。但隨著保險(xiǎn)市場(chǎng)二十多年的發(fā)展，基于這種委托——代理關(guān)系的個(gè)人壽險(xiǎn)代理人制度也逐漸暴露出種種問題：個(gè)人壽險(xiǎn)代理人留存率不高、低收入代理人稅賦重以及高素質(zhì)人才少等。造成這些問題的原因是多方面的，本文認(rèn)為當(dāng)在個(gè)人壽險(xiǎn)代理人的權(quán)利義務(wù)不對(duì)等，且其合理要求被漠視的情況下，個(gè)人壽險(xiǎn)代理人才會(huì)更容易利用信息的不對(duì)稱來謀求自身的利益，產(chǎn)生逆向選擇和道德風(fēng)險(xiǎn)。為此，應(yīng)從以下三個(gè)方面完善個(gè)人壽險(xiǎn)代理人的權(quán)利義務(wù)：首先，要完善相關(guān)法律法規(guī)，明確個(gè)人壽險(xiǎn)代理人的法律地位，，解決目前個(gè)人壽險(xiǎn)代理人和保險(xiǎn)公司之間委托代理關(guān)系和事實(shí)勞動(dòng)現(xiàn)象并存的問題；其次，要加快監(jiān)管體系的建設(shè)，強(qiáng)化有法可依、有規(guī)可循的執(zhí)法力度，增加個(gè)人壽險(xiǎn)代理人的違規(guī)成本；再次，要積極探討保險(xiǎn)公司的管理思路，豐富個(gè)人壽險(xiǎn)代理人的存在形態(tài)。
[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.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.62

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 吳新博;信息不對(duì)稱條件下委托—代理關(guān)系的主要問題[J];北京師范大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2005年05期

2 許恒平;論我國(guó)壽險(xiǎn)個(gè)人代理人制度的完善[J];保險(xiǎn)研究;2001年03期

3 劉冀廣;李敏;;國(guó)際保險(xiǎn)集團(tuán)監(jiān)管的經(jīng)驗(yàn)和分析[J];保險(xiǎn)研究;2010年06期

4 盛逖;喬為國(guó);;混業(yè)經(jīng)營(yíng)下保險(xiǎn)控股公司的監(jiān)管思路研究[J];中國(guó)城市經(jīng)濟(jì);2007年01期

5 晉玉建;;美國(guó)保險(xiǎn)代理制度及其對(duì)我國(guó)的啟示[J];財(cái)會(huì)月刊;2005年18期

6 肖海軍;論保險(xiǎn)代理行為的法律效力與責(zé)任歸屬[J];財(cái)經(jīng)理論與實(shí)踐;2005年02期

7 劉翎;何婕;楊柏林;;加強(qiáng)我國(guó)保險(xiǎn)代理人誠(chéng)信建設(shè)的構(gòu)想[J];當(dāng)代經(jīng)理人;2005年06期

8 楊敏;;基于防范道德風(fēng)險(xiǎn)的個(gè)人保險(xiǎn)代理人激勵(lì)機(jī)制研究[J];湖北社會(huì)科學(xué);2009年02期

9 王緒瑾;論保險(xiǎn)代理人的定位[J];法商研究(中南政法學(xué)院學(xué)報(bào));1998年04期

10 楊晶;;保險(xiǎn)行業(yè)協(xié)會(huì)自律監(jiān)管法律問題研究[J];法制與社會(huì);2009年31期

相關(guān)博士學(xué)位論文 前1條

1 姜雷;保險(xiǎn)代理制度研究[D];吉林大學(xué);2010年

本文編號(hào)：2300946