当前国际保险业发展的一个重要特征是小主体大代理,即保险公司的主体队伍小,而代理队伍大。对我国保险公司来说,代理网点建设的重要性不言而喻。我省人保网点建设起步较早。到1993年底,全省85％的乡镇已建立保险所,城乡保险所已达1700多个,保险员队伍约3500人。人保设立的中心乡镇办事处近150个,可以说网点基本健全。但另一方面,已逐步形成的多元化保险市场竞争正日益加剧,并对原由人保一家构筑的代理 At present, an important feature of the development of the international insurance industry is the small main agent, that is, the insurance company’s main team is small and the agent team is large. For China’s insurance companies, the importance of building an agent network is self-evident. Construction of our county public security network started earlier. By the end of 1993, 85% of the townships and townships in the province had set up insurance institutes, with over 1,700 urban and rural insurance offices and about 3,500 insurer teams. Nearly 150 central township offices set up by PICC can be said that the outlets are basically sound. On the other hand, the gradual formation of diversified insurance market competition is increasingly aggravating, and the original one by the PICC