摘要：随着我国保险业的不断做大做强、行业分工的专业化和职能化趋势使保险中介成为保险业中的重要部分，也成为保险业发展和和提升的一个重要力量。而保险代理人作为保险中介的重要组成部分，在中国保险业发展的道路上扮演了不可或缺的角色，所以保险代理人制度目前仍是我国保险公司的主要展业方式。但是我国保险代理人制度仍处于初级发展阶段，在其发展过程中产生了诸如道德风险、严重失信、代理人整体素质不高等问题。近年来，虽然这些问题也引起了越来越多专业人士的关注，在法律与监管制度上也有一定成果，但是保险代理人的现实状况并未有太大改变，这些问题也未有实质性的解决。本文通过对中国保险代理人制度的发展历程的了解，对我国保险代理人制度存在的问题作了分析，并提出一些解决问题的有效途径，以达到完善我国保险代理人制度的目的。

关键词：保险代理人 保险营销 问题 保险监管

Abstract：With the development of the insurance industry and industry division of labor specialization so that the insurance intermediary to become an important part of the insurance industry, has also become an important force in the promotion of insurance industry. The insurance agent  as an important part in insurance intermediaries  play an integral role on the development of China's insurance industry , so the insurance agent system is still the main mode of development of the insurance company. But the insurance agent system in China is still at the primary stage of development，so produced such as moral hazard, serious breach, agent overall quality is not high and so on in the process of its development. In recent years, although these problems has caused the attention of more and more professionals, on the legal and regulatory system also has some achievements, but the realistic condition of insurance agent does not cause change, also no substantive methods to solve these problems. This article through to the understanding of the development of China's insurance agent system to analyze some problems of insurance agent system in our country, and tries to find an effective way to solve the problem, in order to perfect the system of insurance agent in our country. 

Key words:  Insurance agent   Insurance marketing   Problem   Insurance regulation