As revealed by the study , following problems exist : 1 ) the supply of bank capital has a close relation with the fluctuation of stock market ; 2 ) the volume of bank capital flowing into stock market is large and it is estimated that there are 450 - 600 billion of bank capital exist on stock market , 2 / 3 of which are illegal ; 3 ) most bank capital are getting into stock market through illegal channels , such as illegal repurchase of government securities , illegal acceptance and discount of trade bill , embezzlement of customers " guarantee deposit , illegal interbank loan , illegal diversion of credit capital to other purpose , etc . the inflow of bank capital to stock market has dual influences on our economy and finance 表现在： ( 1 )据估计我国进入股市的银行信贷资金存量在4500 - 6000亿元左右，其中滞留于一级市场的资金规模约为2000 - 3000亿元，进入二级市场的规模在2000 - 2500亿元之间，国有股和法人股转让市场涉及信贷资金规模约为500 - 600亿元，然而，在这千亿元进入股市的信贷资金中2 3左右都是违规流入的。 ( 2 )银行资金入市除同业拆借、国债回购和股票质押贷款三种合法渠道外，多是通过非法渠道流入股市的，其途径主要包括：违规国债回购、违规商业汇票承兑及贴现、挪用客户保证金、违规拆借资金、企业违规挪用银行信贷资金、个人违规使用银行贷款等。
Article 127 an insurance agent or an insurance broker shall meet the qualification requirements set forth by the financial supervision and regulation department and shall obtain an insurance agent license or an insurance broker license issued by the financial supervision and regulation department ; shall register with the authority of industry and commerce administration to obtain a business license and shall pay a guarantee deposit or buy a professional indemnity insurance policy 第一百二十七条保险代理人、保险经纪人应当具备金融监督管理部门规定的资格条件，并取得金融监督管理部门颁发的经营保险代理业务许可证或者经纪业务许可证，向工商行政管理机关办理登记，领取营业执照，并缴存保证金或者投保职业责任保险。
