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目前 ,商业银行依据金融法规在国家监管引导下全面、系统地大规模代理保险业务是在新的金融体制下所实施的一项探索性的改革举措 ,但也存在一些亟待改进的现实问题。因此 ,规范兼业代理行为必须加快省级保险监管机构的组建 ,形成有效的保险业监管网络 ,加强对保险市场、中介行为的针对性调研 ,建立近期内的保险监管信息反馈系统 ,理顺保险监管与人行监管的关系 ,为商业银行代理保险业务畅通渠道
At present, the comprehensive and systematic large-scale agency insurance business of commercial banks under the guidance of state regulation under the financial laws and regulations is an exploratory reform measure implemented under the new financial system. However, there are still some realistic problems to be improved urgently. Therefore, it is necessary to speed up the establishment of provincial-level insurance regulatory agencies to form an effective insurance regulatory network, strengthen the targeted investigation of the insurance market and intermediary activities, and establish a feedback system of insurance supervision information in the near future so as to rationalize insurance Supervision and the relationship between the supervision of the People’s Bank, commercial banks for the insurance agent unblocked channels