| Since the1980’s of last century, China insurance industry has achieved great development. In2010, China life insurance business grew the first in the world, premium scale After America, Japan, Britain, France, Ranking fifth in the world. China made such rapid development of the life insurance industry, closely related to the introduction of agent marketing model.After the1990s, with the entrance of the foreign funded insurance, the competition of the insurance in the society is very furious, the loss of personal insurance agents have begun to emerge and become increasingly prominent. Most of the life insurance companies still use the "human sea tactics" to sell insurance products, this system of the "large losing and increasing "has been operating for more than20years, the large losing under the extensive operation and management perplexes and threats its sustainable development, and needs to be solved by the management and regulators even more. The theme of this paper is how to decrease the losing and control the disordered flowing of the personal insurance agents.This paper first reviews the development course of China’s life insurance agent system, affirmed the positive role of life insurance agent system, simultaneously has also pointed out the life insurance agent system appears in the problem of the present stage, and puts forward the agent loss is the most urgent problem; then described the loss status of life insurance agents in China, and analyzes the life insurance agent turnover impact to Sichuan Branch, Taikang Life Insurance Company as an example, from the analysis of current management and loss, summarize the reasons for China’s life insurance agent turnover, mainly has the influence of new channels of extensive management, the insurance company of the traditional marketing model, and deep from the principal-agent system was analyzed from the perspective. Finally, from the macro and micro level put forward some suggestions to improve China’s life insurance agent system. |
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