目前,由美国次贷危机引发的金融危机在世界范围内蔓延,此次危机对保险业造成了非常消极的影响。作为涉及广泛公共利益的行业,保险代理业的经营关系到众多社会成员的安全保障,一旦保险代理机构违法、违规经营,便可能影响社会生活的各个方面,甚至造成社会的不稳定。因此,相关的监管主体必需对其实施监管,规范保险代理市场的行为,维护保险代理市场的稳定,促进保险代理市场的健康发展,从而维护广大保险消费者的利益。 At present, the financial crisis triggered by the subprime mortgage crisis in the United States has spread around the world. The crisis has had a very negative impact on the insurance industry. As an industry involving a wide range of public interests, the operation of insurance agencies is related to the safety and security of many members of the community. Once an insurance agency breaks the law and runs a business illegally, it may affect all aspects of social life and even cause social instability. Therefore, the relevant regulatory bodies must supervise and regulate the behavior of the insurance agency market, maintain the stability of the insurance agency market, and promote the healthy development of the insurance agency market, so as to safeguard the interests of the vast majority of insurance consumers.