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美国的保险代理制度是世界上体系最完备、发展最成熟的保险代理制度之一,其特色主要在于:(1) 具体的保险代理立法以州法为主体,而各州的保险代理制度又互存差异;(2)具有供不同保险代理人选择的多层次的保险代理教育培训体系;(3)保险代理人层次分明,在保险市场各司其职;(4)实行政府监管和行业自律相结合的保险代理监管体制;美国的保险代理促进了美国保险业的发展,是美国保险中介制度的核心。对于完善我国的保险代理制度无疑具有启示和借鉴意义。
The insurance agency system in the United States is one of the most complete and mature insurance agency systems in the world. The main features of the insurance agency system are as follows: (1) The specific insurance agency legislation takes the state law as the main body and the insurance agency systems in each state also have differences ; (2) Has a multi-level insurance agent education and training system for different insurance agents to choose; (3) The insurance agents have distinct levels and perform their duties in the insurance market; (4) The combination of government regulation and self-discipline Insurance agency supervision system; the United States insurance agents to promote the development of the insurance industry in the United States is the core of the United States insurance intermediary system. For the improvement of China’s insurance agency system will undoubtedly have enlightenment and reference.