1. Market chaos: There is chaos in the insurance intermediary market, involving false propaganda, misleading sales, improper behavior and other irregularities, which damages the rights and interests of insurance consumers.

2. Insufficient professional ability: Some insurance intermediaries and employees lack professional ability and professionalism, and cannot provide consumers with accurate and comprehensive insurance consulting and services.

3. Information asymmetry: Insurance intermediaries have more information about insurance products and markets, while consumers have relatively limited knowledge and choices about insurance, resulting in information asymmetry.

4. Commission-driven: Insurance intermediaries often use commissions as their main source of income, which is interest-driven, which may lead to the promotion of unsuitable insurance products without fully considering the interests of customers.

5. Unstable service quality: The service quality and after-sales support of some insurance intermediaries are unstable, and sometimes customers' problems and needs cannot be solved in time.

6. Lack of supervision: There are still deficiencies in the supervision of the insurance intermediary market, and the supervision intensity and standards need to be strengthened urgently to protect the legitimate rights and interests of consumers.

In view of the above problems, it is necessary to strengthen the standardized management and supervision of insurance intermediaries and employees, ensure that they abide by laws and regulations, follow the principle of good faith, strengthen industry self-discipline and training, and improve professional quality and service quality. At the same time, we should also strengthen consumers' insurance knowledge education, improve their knowledge and understanding of insurance intermediaries, and enhance consumers' choice ability and awareness.