Thoughts on the Development of Independent Personal Agent System in China

Abstract

Since the individual insurance agent system was introduced to China by AIA in 1992, China 's insurance agent team has also developed rapidly. Up to now, the number of insurance agents in China has reached more than 9 million, and it is also developing too fast, the insurance agent system in China has exposed many problems and affected the healthy development of the insurance market. On this basis, it draws on the experience of foreign insurance agent system, and puts forward reasonable suggestions for the development of independent individual insurance agents in China, which is conducive to overcoming the shortcomings of China 's current insurance agent system and becoming an important channel for the sale of insurance products. It is also conducive to standardizing market behavior.The specific suggestions mainly include: clarifying the legal status of independent individual insurance agents in legislation and formulating and perfecting laws and regulations; In terms of supervision, do a good job in agent access and practice supervision; In terms of income, the disclosure of the income of independent personal insurance agents is guaranteed, so as to promote the healthy and stable development of the independent individual insurance agent system.