通过提高违规成本完善保险个人代理人制度  

By improving compliance costs to perfect insurance personal agent system

作　　者：叶靖安 

机构地区：[1]中国大地财产保险公司安徽分公司,安徽合肥230000

出　　处：《时代经贸》2013年第24期119-120,共2页TIMES OF ECONOMY & TRADE

摘　　要：本文通过对我国保险个人代理人制度的分析，概括了现行制度下存在的法律地位不明确、失信问题严重和监督管理机制不健全三个主要问题，并指出了鳃决现存问题的核心在于提高代理人的违规成本。在分析了我国保险业同发达国家之阊的差距后，提出了两个现实可行的提高违规成本的方法，一方面推广“平安摸武”和“华康模武”，适当提高代理人正武员工的比例，另一方面借鉴淘宝网的模式，完善代理人信誉评价体系。Based on the personal representative of the insurance system analysis, summarized the legal position exists under the current system is not clear, serious dishonesty issues and supervision mechanism is not perfect three main issues pointed out to solve the existing problems of the core is to raise compliance costs agent. After analyzing the gap between China＇s insurance industry with the developed countries, raised two realistic ways to improve compliance costs, on the one hand to promote ＂safe mode＂ and ＂Hua Hong Mode＂, an appropriate increase in the proportion of full-time staff of agents On the other hand drawing Taobao model, and improve the credibility of the evaluation system agents.

关 键 词：违规成本 保险个人代理人制度 信誉评价体系 

分 类 号：F842.62[经济管理—保险]