保险代理公司的形成和发展同保险市场的形成和发展是同步进行的 ,代理公司一建立就面临着严重的生存挑战 ,由于其与保险公司合作的模式过于单一 ,使双方的合作机制存在制度性的缺陷。而一些投机者涉足代理公司建设 ,导致机构建设一开始就走上歧路。缺乏成熟的经营理念 ,热衷于短期行为等都是制约其发展的内部或外部因素。必须以建立专业化分工机制为主体的保险市场为重要手段 ,以建立规范化的专业代理公司群体为发展目标并作为规范保险市场的重要渠道 The formation and development of insurance agency companies are synchronized with the formation and development of the insurance market. As soon as the agency company is established, it faces serious survival challenges. Because the mode of cooperation with insurance companies is too simple, the cooperation mechanisms of the two parties exist in a systematic way Defects. Some speculators involved in the construction of agency companies, leading to the beginning of institutional construction go astray. Lack of mature business philosophy and keen on short-term behavior are all internal or external factors that restrict their development. We must take the establishment of specialized division of labor as the main body of the insurance market as an important means to establish a standardized group of professional agents as the development goals and as an important channel to regulate the insurance market