The Research On Supervison And Managerment Of Personal Life Insurance Agent In The Market

The insurance industry is the financial system an important component of the financial and is the core of modern economy, China's economy during the transition period belong to focus on the development of the sector. China's insurance market is still offered great potential, especially the life insurance industry, the stability of society, the country is continuing to encourage the healthy development of the industry. Personal life insurance agent is currently China's life insurance industry is widely used insurance sales media, individual agents are also the pioneers of the life insurance market. Life insurance products as an important sales channel for the personal agent market, the norms or not it will be directly related to the rise and fall of China's life insurance industry, especially after the accession to the WTO, improve the overall life insurance industry's public image has attracted extensive attention, Its reform more urgent and important.This article has been selected in recent years, the life insurance market in Shanghai has maintained a leading position in Pingan insurance company of china, Ltd of Shanghai branch (LIFE) as a study. In its analysis of the individual agent market problems, and then to look at the individual in general, from the perspective of public administration, research is currently China's life insurance market, the existence of individual agents of the general issue of the formation of these issues. Finally, the United States and Japan as a successful experience for reference, combined with China's national conditions, personal life insurance agent to solve the problem of market operational recommendations accordingly.This article is divided into five parts.The first part of this introduction to the paper. This article in a includes the definition of words, the life insurance market supervision on behalf of a theoretical basis for a life insurance market supervision on behalf of the research background, purpose and significance of research methods, and the line of novelty. Public administration point of view based on research background and so on the basis of analysis.PartⅡ: Pingan insurance company of china, Ltd of Shanghai branch (LIFE) for the study to detailed data and case-specific analysis of their personal business agent of the status quo, the existing problems. On this basis, so as to point to face, from the perspective of public management, personal life insurance agent to reveal the current market of individual life insurance agent non-employees, exhibition industry in the process of clear explanation to customers, the personal representative of the complaints serious situation, and other aspects of the three . And then for the existing problems, from the government, insurance companies, agents and individual customer groups and other point of view, a comprehensive analysis of the root causes of these problems.The third part, by the United States, Japan's insurance market and marketing system to understand, sort out and learn from the successful experience for reference. Insurance agents to the United States as the main intermediary system; Japan's insurance intermediary market and the management of the executive and the legislature to implement self-discipline combined with the monitoring and unified system of education and training industry, are worthy of our reference.The fourth part of the combination of China's national conditions, personal life insurance agent to solve the problem of market operational recommendations accordingly. That is, the combination of regulatory bodies to play a leading role on the basis of the mobilization of insurance companies, industry associations and the public's enthusiasm to form a government regulation, corporate control, social supervision and industry self-regulation "four-in-one" system to guard against the risk of China's macroeconomic situation Based on the market supervision should be the main subject: the Government, trade associations, insurance companies, four social supervision and management oversight point of the implementation of countermeasures.PartⅤ, Conclusion. The full text of the summary of the conduct based on the respect worthy of further study. Study of the full research and expand the scope of the research are worth further study. This can be a greater scope of research to maximize access to information, extracted from more complete issue of the status quo and come up with strategies approach.The contribution of this paper is: Pingan insurance company of china,Ltd of Shanghai branch(LIFE) of the actual sum up the research, to analyze the current personal life insurance agent in the entire existence of common problems and incentives, and then propose countermeasures to address the recommendations, the formation of the study Results, in order to be able to give my personal life insurance agent in the market to work to provide a favorable reference and learn from.