从“福州退保事件”看诚信原则对保险代理人要求

The requirement of insurance agents for credit principle from "withdrawing from insurance in Fuzhou

震动保险业界的"福州退保事件"暴露出我国保险代理人的诚信危机,就诚实信用原则对保险代理人的适用问题,我国保险立法尚缺乏明确的规定。诚信原则对保险代理人的适用应主要体现在以下几方面:一是保险代理人对投保人的告知、说明义务;二是保险代理人对保险人的忠实义务;三是保险代理人诚实遵守制度的义务。

The credit crisis of Chinese insurance agents has been exposed from 'withdrawing from insurance in Fuzhou'. Applicability of credit principle of insurance agents has not clearly stipulated in Chinese legislation. The applicability of credit principle should cover the aspects such as insurance agents' reporting the obligation to insurers, the obligation of insurance agents for insurers and obligation that insurance agents follow the rules.