摘要：在保險市場中保險代理是一項重要組成部分，居于保險合同雙方當(dāng)事人之間，它起到節(jié)約交易費用、提升保險產(chǎn)品服務(wù)、提高保險人經(jīng)營水平等作用。隨著保險事業(yè)的發(fā)展而日顯突出，壽險人的誠信制約著保險事業(yè)更高層次發(fā)展?；诖耍疚闹饕獙ΡｋU代理基本法律關(guān)系闡釋和分析的基礎(chǔ)上，深入探討了保險代理權(quán)行使、保險代理行為的責(zé)任歸屬、保險代理人的誠信缺失與治理、保險代理監(jiān)管等針對性問題，以期在進(jìn)一步完善保險代理制度體系的同時，還能解決實踐認(rèn)識有所幫助。

關(guān)鍵詞：保險代理 / 誠信缺失 / 管理制度

Abstract: In the insurance market, insurance agent is an important part of living in the insurance contract between the parties, which played to save transaction costs, improve the insurance products and services, enhance the role of insurers operating level. With the development of the insurance industry more obvious each day, which restricts the insurance industry a higher level. Based on this, this paper, the basic legal relationship between the insurance agency interpretation and analysis, based on the depth of the exercise of the right insurance agent, insurance agent behavior of accountability, lack of insurance agents and the integrity of governance, insurance agents and other specific regulatory issues, with a view to further improve the institutional system, while the insurance agents, can help solve practical knowledge.

Keywords: lack of integrity management / system for insurance / agents