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保险个人代理人制度作为保险代理市场的重要组成部分,其在加速我国保险业发展的同时,也显露出种种弊病,严重阻碍我国保险代理业甚至整个保险业的发展。从法律监管、人员培训和佣金制度分别分析其不足所在,并提出通过建立资信披露制度、代理人授权制度和行业统一教育和公司教育相结合的培训体系以及底薪制度,完善我国保险个人代理人制度。
As an important part of the insurance agency market, the insurance personal agent system, while accelerating the development of the insurance industry in our country, also revealed various defects that seriously hindered the development of the insurance agency industry in our country or even the entire insurance industry. Analyzed its shortcomings from legal supervision, personnel training and commission system, and proposed to improve the personal insurance agent system of insurance in our country by setting up a credit information disclosure system, a system of agent authorization and a combination of industry unified education and company education, as well as a basic salary system .