Empirical Analysis Of A Life Insurance Company Insurance Business

Insurance is an important part of the modern financial industry, has a very important role in the economic and social development, with the deepening of reform and opening up and China’s economic development, the insurance industry has made considerable progress. In 1992, after the introduction of the personal insurance agent system, breaking the traditional life insurance marketing model to individual life insurance marketing channel marketing model based rapid development in China, and dramatically increased the speed and scale of development in the life insurance industry.As China’s insurance marketing or major take human wave tactics, dangerous channel massive contingent of individual agents, the structure is very complex, one of the contradictions and problems have emerged in recent years, beginning in 2011, the life insurance industry’s premium emergence of new Chinese recovery the first decline since the insurance business. Therefore, the study of individual agents factors at the whole life insurance industry is important.In this paper, A life insurance company, Zhejiang Branch of business data in the first half of 2014, based on statistical analysis methods, from the end of the human, real human action, human and competent real action to break the four factors of zero human individual agents of a risk the impact of sales channels of premium income, and draw on facts and human impact of a risk premium of the most important variables. This article first a life insurance company, Zhejiang Branch a risk management analysis of the situation from a dangerous part of the KPI, and then you can probably understand the operations of the entire company. Then you study this article farming at four indicators of the impact of human factors in a risk premiums. To company data, using panel analysis model for ending human, real human action, human and competent real moving human-breaking zero regression analysis, the strength of its impact on premium income, in order to identify the key variables. Finally, based on the above findings, put forward the corresponding policy recommendations.