| I the development of the insurance industry, personal insurance agent has become important foundation of China’s insurance industry’s running and development, especially for the life insurance industry, which plays a very important role for the improvement of insurance market, communication on supply and demand of insurance, promote development of the insurance.It also played a positive role in the aspects of innovating sales model, improving the efficiency of service, popularizing insurance knowledge, accelerating the development of the insurance industry. However, with the rapid development of China’s economic, the development of the insurance industry has entered a new stage, the problems of personal insurance agent such as low quality, lack of integrity, misleading sales, high wastage rate has become increasingly prominent. Personal insurance agent gradually reduces has perplex and hinder the stability of insurance marketing team and the substation of insurance development. With the full opening of China’s insurance market, market competition is becoming increasingly fierce, the insurance companies compete is no doubt talent competition.How attracts the talented person, how detains the talent ed person, becomes extremely the matter of concern.The problems on personal insurance agent of XX life insurance Company Henan branch and Zhengzhou branch as follows:First, individual agents’entry and exit frequently. Second, the quality of individual agent force difference. The main reasons are as follows:First, low barriers to entry, the training system is not perfect, no scientific incentive. Second, individual agents lack of long-term occupation planning and quality uneven, some good and some bad cause short-term behavior. Third, the principal-agent system of individual agent status is not clear, the commission system is not reasonable, as well as there is a double tax issues.Recognizing the problem is a prerequisite to solve the problem, the real problem is to find ways to analyze the optimal solution to the problem foundation. Shows that individual agents causing lower ranks retained for many reasons, to improve the status of agent ranks low retention rates radically from the cause of the problem needs to start from the cause analysis.In view of this, from the insurance company, individual agents and the government and insurance supervision department three subjects to solve the problem of personal agent team low retention. First, the insurance company should raise the bar, setup a scientific training system, and improve the mechanism of assessment; Second, the individual agent’s foster self-confidence, improve their comprehensive quality; Third, clearing individual agents’ legal status, incorporating into the social security system, and strengthen supervision of the industry to enhance the industry image. |
