The Restrictive Factors And Countermeasures Found By Insurance Professional Agent Companies In China

China's insurance professional agent market started in the 1990 s,after more than 20 years of development,in the number of institutions,premium income and other aspects have initially formed a certain scale.Since 2010,the government has continuously introduced relevant policies to support the development of the insurance intermediary market,aiming to establish a number of professional insurance agencies with professional characteristics,in order to promote China's insurance industry "production and marketing separation." However,China's insurance professional agency is still in the primary stage of development,the company's internal management rules and regulations construction and business model is not mature,restricting its development factors.Therefore,China's insurance professional agency urgently need to find a suitable way for its development and growth,play its due role in the industry.In this paper,China's insurance professional agency as the research object,first of all,a brief description of the development of China's agent companies,and specific data analysis of the number of insurance professional agents,premium income,business structure,profitability status and other development status,on this basis from the market supervision,internal management,business profit model,The cooperative relationship with insurance company and the influence of Internet technology on it are analyzed to analyze the constraints on the development of China's insurance professional agency.Secondly,tap the development potential of China's insurance professional agency,find out the possibility of its growth and growth,and then choose the success story of Pan-China Insurance Services Group,and its advanced development model for experience and reference.Finally,the paper summarizes the countermeasures for the development of China's insurance professional agency,the government should improve the supervision system and strengthen the supervision of the back-end behavior of the insurance professional agency company,strengthen the internal management,improve the risk control ability,and actively adjust the business structure and innovate the development model according to market changes.In cooperation with insurancecompanies,we should establish long-term and stable strategic cooperative relations with them,and actively use artificial intelligence,cloud computing,big data and other technologies to transform and upgrade business platforms,and continuously improve the level of professional services.This paper is a relatively novel perspective of China's insurance professional agency development constraints to analyze,and combined with the actual needs of insurance companies and the use of Internet technology to the development of China's insurance professional agency to put forward countermeasures,with a view to strengthening China's insurance professional agency companies to provide licensing reference ideas.