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在保险业发展中,代理保险业务正在成为一个新兴的行业。代理作为一种民事法律关系,我国只在《民法通则》中有原则的规定,目前尚没有规范和约束保险代理行为的专门性法规。保险代理行为既涉及保险人和代理人的利益,还涉及到相对人即投保人和被保险人的利益,保险代理这种特定的法律关系有其自身的特点和实际问题。 保险人与其代理人之间的关系是一种民事法律关系。保险代理关系具有如下法律特征:1.保险代理人的行为是以被代理人——保险人的名义进行的;2.保险代理行为是指能够发生法律上权利
In the insurance industry, the agency insurance business is becoming a new industry. As a kind of civil legal relationship, our country only has the principle in “General Principles of Civil Law”. At present, there is no specific regulation to regulate and bind insurance agency. Insurance agency acts involve the interests of insurers and agents as well as the interests of insured persons and insureds. The particular legal relationship of insurance agents has its own characteristics and practical problems. The relationship between the insurer and his agent is a matter of civil law. Insurance agency relationship has the following legal characteristics: 1. The behavior of the insurance agent in the name of the agent - the insurer; 2. The act of insurance agency refers to the legal rights to occur