保险代理人是指根据保险人的委托,在保险人授权的范围内代为办理保险业务,并依法向保险人收取代理手续费的单位或者个人保险代理人制度对于中国保险业发展做出了重要的贡献,但是保险代理人制度也存在一些负面作用。本文分析了中国保险代理人制度的存在的问题,并提出了相关的完善建议。 Insurance agent refers to the insurance company under the commission, within the scope of the insurer authorized to handle the insurance business, and in accordance with the law to charge the agency fee agency fee or insurance agent system for the Chinese insurance industry has made important Contribution, but the insurance agent system also has some negative effects. This article analyzes the existing problems of China’s insurance agent system and puts forward some relevant suggestions.