Research On Improving The Quality Of Individual Agent Based On Professional Image

Since1992, the AIA Company of United States introduced the individual agentsselling model in China’s insurance market for the first time.Individual agents hasexperienced several decades of development in our country.The rapid expansion o thescale, significantly increasing. Made large contributions in the premiums, publicity ofinsurance. However, in the course of development,there are many drawbacks, such asmisleading sales, sales nuisance, low level of short-term insurance services, reducethe quality of individual agents, the impact of individual agents professional image.Further researching, the main reasons of individual agents qualities are unreasonablecommission system, low access mechanism, unreasonable training system, lack ofsupervision, poor awareness of consumers of insurance,etc.I Individual agents sales model as the main channel for the marketing ofinsurance products, which accounted for the proportion of premium income premiumincome, has become a larger proportion of smaller and more volatile, wherebyindividual agents can be considered largely represent the entire insurance theindustry’s image.Individual agents sales model as the main channel for the marketingof insurance products, which accounted for the proportion of premium incomepremium income, has become a larger proportion of smaller and more volatile,whereby individual agents can be considered largely represent the entire insurance theindustry’s image. The quality of individual agents commission system is the subject offactors, education, influence the formation mechanism of restraint in the sales process,manifested by acts of individual agents, mainly in the form of misleading sales, salesnuisance, low level of short-term insurance services. Individual agents qualitiesinclude professionalism and ethics of insurance. Thus, the low quality of individualagents is mainly caused by poor professional image. Further analysis of thecommission system is unreasonable, low access mechanism, the training system isunreasonable, lack of supervision, poor awareness of consumers of insurance, etc. arethe main reason for the low quality of the individual agents.For the quality of individual agents, this paper combines individual agents’professional background, employment time, on his own familiarity with business,legal responsibility for their own level of understanding of the four variables andinsurance disputes, such as the impact analysis, and then with the United States andJapan commission system, access mechanism, training system, the regulatory systemwere analyzed. According to the actual situation of China’s insurance industry, it is toimprove the quality of individual agents and insurance professional ethics proposalsand measures from several aspects commission system, access mechanism, individualagents management, supervision.Main structure of the paper, the text id divided into six chapters;Chapter1: introduction. Mainly analyzes the background and significance,literature review and abroad, the relevant theoretical basis, content and methods.Chapter2: Status of individual agents and the reasons professional image.Thischapter focuses on the sale of misleading sales nuisance, insurance services and lowlevel of short-term behavior analysis, the major issues affecting the professionalimage of the individual agents. Chapter3: Quality problems of individual agents.This chapter focuses on thecommission system, access mechanism, training systems, regulators, consumerawareness of insurance were analyzed to explore the impact of individual agentsqualities of the main reasons.Chapter4: Analyze the impact on the quality of individual agents professionalimage. The main factors for the quality of individual agents, combined with individualagents manifestation professional image, select the individual agents’ professionalbackground, familiarity of their own business, to understand the extent of theirliability and insurance disputes do empirical analysis.Chapter5: Foreign individual agents to enhance the quality of learning andenlightenment measures.This chapter focuses on aspects of access mechanism ofindividual agents in the US and Japan, the training system, the commission systemwere analyzed, learn from the successful experience.Chapter6: Recommend measures to improve the quality of individual agents.And recommend measures to improve the quality of individual agents. This chapterfrom several aspects of agent commission system, access mechanism, management,supervision and other proposals and measures to improve the professional quality ofindividual agents and insurance professional ethics.The innovations:ⅠA new perspective (professional image) to improve the quality of individualagents were studied.ⅡIn writing the content, based on the previous stand, proposed to increase thepersonal representative elements from different anglesQuality measures and recommendations Specifically: First, the agent commission,proposed treatment, using different ways of commission payments distinction;secondly, to improve the information disclosure system of individual agents, proposedto build a personal information file agents, agents for the introduction of personalscores, and build ratings standards.Shortcomings:ⅠIndividual agents to improve the quality of research is not deep enough, moreresearch is conducted at the macro.Ⅱ Empirical analysis on the quality of individual agents and insurance disputes,the data is not perfect, though little effect on the empirical results, but to some extentthe lack of rigorⅢ Propose new and old individual agents using different commission system,but did not calculate the critical point of distinction between the old and newindividual agent.