一、我国寿险营销体制存在的主要问题1.保险业中的诚信危机保险代理人对客户的误导行为容易引发保险诚信危机。笔者认为误导行为的产生有以下几方面的原因:第一,佣金制的薪酬方式使寿险营销具有利益驱动性,营销员片面强调利益重视佣金,而目前保险公司的佣金发放实行首期业务佣 First, the main problems of life insurance marketing system in China 1. The credit crisis in the insurance industry Insurance agents misleading customers easily lead to insurance crisis integrity. The author believes that misleading behavior has the following reasons: First, the commission system of salary-based life insurance marketing has the interest-driven, one-sided emphasis on marketing staff emphasis on commission, and the current insurance company commission implementation of the first phase of commission