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挪用保费是代理人的一种违法行为 ,由于代理行为的法律性质 ,决定了保险公司对代理人的行为要承担一定的责任。为了防范代理人的违法行为 ,减少经营风险 ,保险公司应加强对代理人的担保人的实质审查 ,以银行划帐方式代替现金方式 ,加强对代理人的教育和培训 ,严格管理相关单证
The misappropriation of premium is an illegal act of the agent. Due to the legal nature of the act of acting, the insurance company has to assume certain responsibilities for the act of the agent. In order to prevent the agent’s illegal behavior and reduce the business risk, the insurance company should strengthen the substantive examination of the agent’s guarantor, substitute the cash method by the way of bank debit, strengthen the education and training of the agent and strictly manage the related documents