Research On The Mobility Of Individual Insurance Agents Of TK Life Insurance Shenzhen Branch

With the comprehensive advancement and deepening of China’s reform and opening up,especially in 2019,under the environment of global macroeconomic uncertainty,the insurance industry has also ushered in a development period with the theme of “transition” and “adjustment”.From 2018 to 2019,the growth rate of insurance premiums has slowed down significantly,and the agent’s growth potential is insufficient.The mobility of agents has intensified,which has brought many uncertain factors to the steady development of the entire industry.At present,how to rationally optimize the liquidity of agents,improve the momentum of sustainable development of the insurance industry,and help the insurance industry develop steadily is a major issue facing the insurance industry in China.Under the current economic development situation,the insurance agent system has also highlighted a series of disadvantages.On the one hand,it cannot restrain the agent well,and on the other hand,it cannot effectively mobilize the enthusiasm of the agent and improve the performance level.At the same time,due to the long-term liquidity of the agents,the operating models and levels of the operating entities of all companies are also in the extensive management stage.Therefore,how to scientifically,reasonably and effectively explore the new agent system and try the company’s management methods is particularly important to improve the agent’s enthusiasm and performance level,and at the same time help the company’s business management transformation.This article takes the current agent mobility problem of TK Life Shenzhen Branch as an example,and brings out that the agent has seven aspects of liquidity characteristics,namely,the agent terminates contract fast,proactively terminate contract,the large mobility difference between different ages,and the mobility of newcomers higher than the elderly,the large mobility difference between different genders,the large mobility difference of different learning ability represented by different academic qualifications,and some contract-terminated agents move to insurance brokerage company.These characteristics caused a series of impacts,such as the impact on the customer level,the impact on the agent itself,the impact on the insurance company level,the impact on the insurance industry level,the impact on the regulatory level,and so on.For the mobility problem of TK Life Shenzhen Branch,This article starts with a questionnaire survey of agents,and analyzes the cause of the problem from five aspects,namely,the problem of the agent system,the main body of the company,the agent,theShenzhen special market,and the Internet.Then from the macro level(government)and micro level(enterprise)two directions,to propose measures and guarantees to optimize agent mobility.At the macro level,the role of the government’s “invisible hand” needs to take place,including accelerating the improvement of laws and regulations,actively playing the role of the intermediary organization,giving full play to the role of government’s propaganda,and promoting the pilot and reform of the agent system,Improve the top-level structure and guarantee system from the macro guarantee level.At the micro level,it refers to the improvement of internal operation and management in the enterprise,including the systematization of internal management,the internal supplementation of inadequate principal-agent system,the preferential policy of Shenzhen special market,strengthen the exploration of new models of company training,open the exploration of new models of team development,and promote the Brand building of individuals in the field team and recruitment and construction of excellent field teams,Improve the organizational structure,implement resource support and enrich corporate culture at the micro-level of guarantee.