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在我国保险市场20多年的发展过程中,保险代理业务显现出强劲的发展势头,广大保险代理人在保险市场机制的完善、保险公司业务量的增长以及保险服务质量的提高、保险业务规模的扩大等...
在我国保险市场20多年的发展过程中,保险代理业务显现出强劲的发展势头,广大保险代理人在保险市场机制的完善、保险公司业务量的增长以及保险服务质量的提高、保险业务规模的扩大等方面作出了有效且显著的贡献。但由于我国保险代理市场发展时间较短,市场环境不成熟,制度设计欠完善,使得我国的保险代理人市场近年来不断出现各种问题,尤以道德问题最为突出。为此,本文拟对保险代理人存在的道德问题进行分析,并就如何加以防范控制存在的道德风险问题谈几点粗浅的认识。
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China's insurance market in 20 years in the development of the insurance agency business has demonstrated strong growth momentum, the majority of insurance agents in the insurance market mechanisms improve, insurance companies and business growth improving the quality of insurance services, insurance and the expansion of the scale to make a significant and effective contribution. However, as China's insurance market development Acting shorter, immature market environment, system design less perfect, making China's insurance agent market in recent years the emergence of various problems, especially the most prominent moral issue. Therefore, this article is going to insurance agents existence of the moral issues, and on how to prevent the control of the problem of moral hazard a few superficial understandin
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Insures in the market more than 20 years developing process in ourcountry, the safe agency business appears the strong developmenttendency, generally insured the agent to insure the market mechanismthe consummation, the insurance company business volume growth as wellas the insurance grade of service enhancement, insurance service scaleaspect and so on expansion has made effective also the remarkablecontribution. But because our country insurance proxy marketdevelopment time shorter, the market environment is not mature, thesystem design owes the consummation, caused our country the safe agentmarket unceasingly to have each kind of problem in recent years, wasespecially most prominent by the moral question. Therefore, thisarticle draws up to insures the moral question which the agent existsto carry on the analysis, and how on performs to guard against thecontrol existence the moral risk question to discuss several shallowunderstanding.
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