Research On Insurance Salesmen's Incentive Problems

The Chinese insurance business plays a vital role in the national economy development. The agency system and the salesmen of insurance marketing make great contributions to the development of Chinese insurance industry. Therefore discussing sales people's situations of surviving and prompting make senses to us. This thesis expand a research on how to make effective incentives towards insurance salesman and review existing problems in terms of Chinese domestic insurance industry, as well as present situation of salesman's not having effective prompting. Through discussing sales people of insurance situation of surviving and prompting, related analysis is made on influencing factors on effective prompting. The papers has made the Multi-angle analysis to the influence factors of effective prompting and in the end of the article the writer proposed improvement measures and the suggestions to the insurance marketing effective prompting hoping it can strengthen incentives for China Insurance Company and enables the insurance marketing to play more important role for the Chinese insurance business.By applying literature researching and making use of the author's experiences in practical work, the articles summarized the defects of Chinese insurance business and the insurance agency systems including policy law questions, the operating and managing questions of the insurance enterprises, the insurance supervision and so on. The insurance salesman acts an agent for the insurance company. The special relationship lead to low achievements, low income, low activity and high loses of the salesmen. However the training system, the salary system , the personnel manages, the system of examining and assessment and so on can't meet the various needs of the insurance salesmen. Therefore, we should make great effort to improve the situations.The main innovation is from the perspective of the practice to analyze the questions and make effective suggestions. Through Demand Analysis to find ways of meet the needs of the insurance salesman with a view of making effective promptings, the author proposed individual original ideas in the improvement suggestion such as considering legal status ,occupational safety as well as putting forward an agency -staff pattern as the insurance salesmen's legal status that taking government apparatus participation in as the third party and in the insurance welfare aspect, proposing the innovation of commercial insurance product and better back-up support. etc.