保险公司同保险代理人之间的关系是委托-代理关系,因此委托-代理理论同样适用于我国保险代理人问题。解决问题的关键是要建立一个合理的代理人激励和约束机制,使代理人效用最大化目标同委托人效用最大化目标相一致,代理人自愿向委托人提供各种信息,实现二者的激励相容。 The relationship between insurance companies and insurance agents is the principal-agent relationship, so the principal-agent theory also applies to the issue of insurance agents in our country. The key to solve the problem is to establish a reasonable agent incentive and restraint mechanism so that the maximization of the agent’s utility maximization is consistent with the goal of the principal’s utility maximization. The agent voluntarily provides various information to the principal and realizes the incentive of both Compatible.