委托代理制度应用保险营销研究

采用委托代理制度可以取得规模效益和分工优势，我国保险公司普遍采用委托代理方式进行保险营销。然而，由于普遍存在信息不对称及激励不相容的问题，代理人往往会侵害委托人的利益，发生逆向选择及道德风险，从而出现代理人风险，导致代理成本增加。本文就委托代理制度在保险营销中产生的问题及如何降低代理成本展开研究。

Principal-agent system of insurance marketing research

Uses the principal-agent system to be possible to obtain the scale benefit and the division of labor superiority,our country Insurance company selects the principal-agent method to carry on the insurance marketing generally,however,because the universal existence information not symmetry and the drive not accommodating question,the agent often can violate trustee＇s benefit,has the reversion choice and the moral risk,thus appears the agent risk,causes the agent cost,this article is about the question which produces in the insurance marketing and reduces the proxy cost on the principal-agent system.