从去组织化到再组织化:我国个人保险代理人制度重构  

From Disorganization to Reorganization:The Reconstruction of the Individual Insurance Agent System in China

作　　者：刘浩然 Liu Haoran(School of Law,Jianghan University,Wuhan 430056,Hubei,China;Institute of Commercial Law,Zhongnan University of Economics and Law,Wuhan 430073,Hubei,China)

机构地区：[1]江汉大学法学院,湖北武汉430056 [2]中南财经政法大学商法研究所,湖北武汉430073

出　　处：《金融发展研究》2022年第9期71-76,共6页Journal Of Financial Development Research

基　　金：国家社科基金青年项目“民商合一立法体例下商法思维在民商事审判中的应用研究”(20CFX047)。

摘　　要：独立个人保险代理人概念的提出,有效回应了我国传统个人保险代理人制度在实践中的性质争议。为避免重蹈传统个人保险代理人制度发展之覆辙,在强调个人保险代理人“独立性”的基础上,应立足于其商主体身份,构建“扁平化”的组织形式,并以“营利保护”为理念重构制度内容。“再组织化”后,我国独立个人保险代理人制度构建应坚持“主体中心论”,重点围绕独立个人保险代理人的监管体系完善、代理权限公开、佣金权利保护三个方面展开。The proposal of the concept of independent personal insurance agent has effectively responded to the controversial nature of our traditional personal insurance agent system in practice.In order to avoid repeating the mistakes of the traditional personal insurance agent system,we should build a "flat" organizational form based on the identity of the individual insurance agent as a business entity and reconstruct the system with the concept of "profit protection",while emphasizing the "independence" of the individual insurance agent.After "re-organization",the construction of China’s independent personal insurance agent system should adhere to the "subject-centered theory",focusing on three aspects:improvement of the regulatory system of independent personal insurance agents,disclosure of agency authority,and protection of commission rights.

关 键 词：再组织化 个人保险代理人 独立个人保险代理人 制度构建 

分 类 号：F840.4[经济管理—保险]