降低保险纠纷发生率的有效途径研究——基于个人保险代理人的适法监管视角

以山西省范围内中国人保、中国人寿、中国平安、太平洋等多家大型保险公司保险代理人问卷调查的数据为基础,应用logistic模型进行实证分析,通过深入剖析,指出导致当前保险纠纷发生率较高的保险代理人方面的因素主要涉及准入条件、法律意识及个人专业素养等,可从提高准入门槛、健全和贯彻落实《保险法》、不断提升个人专业素养方面入手提升对保险代理人的监管力度,为保险业的健康持续发展创造人才条件。

Lower Insurance Dispute Incidence on the Way -- On the supervision of individual insurance agents

Based on questionnaires within the scope of personal insurance agent in Shanxi province insurance companies include China life,Ping An of China,the Pacific and other large insurance companies.Insurance survey data based on logistic model,empirical analysis,through the thorough analysis,pointed out that the current insurance disputes led to a higher incidence of personal insurance agent factors mainly related to access conditions,legal consciousness and personal and professional accomplishment.By improving the entry threshold,improving and implement the" insurance law",and constantly improving personal and professional accomplishment aspects to enhance the supervision of the insurance agents,in order to make the creative talent condition.for the insurance industry sustained and healthy development.