【摘要】 我国保险专业代理机构在发展中呈现了一种非均衡的"委托—代理"关系,这是其发展中的最大理论制约。为应对这种非均衡的"委托—代理"关系所带来的问题,首先其理论的研究范式和功能定位应作出调整——保险专业代理机构作为代理人的主动性在非均衡的代理理论下应受到重视,对其发展应着眼于其独立性、专业性和双向性;其次应采取拓宽其业务范围、重新审视其法律责任归属、增进保险专业代理机构和保险人的良性互动等具体对策以促进其健康有序发展。更多还原

【Abstract】 A non-equilibrium "principal-agent" relationship takes form in the development of China’s professional insurance agency,which is the maximum constraint in theory.In order to deal with the problems caused by this,adjustment should be applied first and foremost to the research paradigm and functions of the theories.The initiative of professional insurance agencies should be stressed in the non-equilibrium agent theory,particularly on its independence,expertise and reciprocity.Second,we should take concrete measures such as extending its business,re-examining the attribution of its legal responsibility and promoting the positive interaction between agencies and insurers to promote a healthy and sound development of professional insurance agency.更多还原