摘要：保险代理人是根据保险人的委托,向保险人收取佣金,并在保险人允许的范围内代为办理保险业务的机构或者个人。我国的人寿保险营销制度是1992年从美国友邦保险公司引入的,从此,我国的保险代理人在中国迅速发展起来。保险代理人为保险业的飞速发展作出了巨大的贡献,成为保险公司开拓业务的重要方式。但是,这种在美国被证明是行之有效的业务扩展方式,在我国,却越来越为人们所诟病。像保险代理人忽视业务质量,行为短视,甚至出现欺诈、骗保、恶意保险事件,道德风险问题频频发生。本文即是从保险代理人诚信问题的现状，原因和建议入手，进一步分析当今我国保代人诚信所存在的问题。

关键词：保险 代理人 保险公司 诚信

Abstract：An insurance agent is the insurer of the commission,a commission from the insurer and the insured personauthorizedon his behalf within the scope of business for insurance agencies or individuals.Our life insurance marketing system was in 1992 from American International Assurance Company introduced since then,our insurance agent developed rapidly in China.Insurance agent for the rapid development of the insurance industry has made tremendous contributions to the insurance company become an important way to develop the business.However, this proved to be effective in the United Statesway of business expansion in the country, but more and more people are criticized.Like insurance agents neglect the quality of service,short-sighted behavior, and even fraudulent,potentially   fraudulent,malicious insuredevent,the moral hazard problem occur frequently.This article is from the status quo that the credibility ofinsurance on behalf of people, causes and suggestions to start,further analysis of today's generation of security integrity of the existing problems.

Key words: insurance  agent  insurer  honest