个人代理人

详细介绍我国寿险个人代理人制度的缺失。

China life insurance are introduced in detail , the lack of personal agent system , institutional ethics on , down to the lack of corporate ethics .

专业代理人展业方式优于个人代理人和直接展业方式，应成为我国非寿险公司的主要展业方式。

It is held that professional agent form is the most profitable among personal agent , professional agent and direct form , thus it should be a main marketing form in Chinese non-life insurance .

北京市保险个人代理人状况调查报告

Research Papers on Condition of the Personal Insurance Agent in Beijing

论保险个人代理人管理体制的突破与健全

On Breakthrough of the Insurance Individual Agent Management Mechanism and Its Perfection

厦门市人寿保险业个人代理人的组织承诺研究

Study on Organizational Commitment of the Agents in Xiamen Life Insurance Company

保险个人代理人制是保险公司个险业务的主要销售方式，是各国保险业普遍采用的销售方式。

Most of the insurance companies adopted the Personal insurance agent system as their sales methods .

同时运用博弈论知识构建模型，进一步剖析寿险个人代理人的失信行为。

Furthermore , we have constructed a game model to analyze LI individual agents ' immoral behaviors .

因此，可以将代理人的职能简单的分为两种：服务与营销。保险个人代理人根据它的这两种工作，分别获得相应的报酬。

Therefore , the agent can be simple functions divided into two categories : service and marketing .

再次是保险公司应建立科学的激励制度，扶持保险个人代理人队伍的发展；

Thirdly , insurance companies should set up a scientific incentive system to support development of the individual agent force .

现行保险代理人制度的缺陷是初期高佣金制度，它极大提高了保险个人代理人的销售热情。

Current insurance agent system defects is early high commission system , which greatly improved the personal insurance sales agents enthusiasm .

保险个人代理人的职能主要有三类：开创新业务，保留现有业务，为保单所有人提供服务。

Personal insurance agent has three main functions : creating new business , retaining existing business and provide services for all customers .

在日常的培训中，寿险公司除了对个人代理人的营销技巧进行培训以外，更应加强诚信品质的塑造；

During the route training , LI companies should make more efforts to mold the truthful characters in each individual agent besides marketing skills .

目前，人保财险大连分公司主要的营销渠道仍然局限于传统的直销营销渠道和个人代理人渠道，已经远远不能适应迅速变化的保险市场环境和个性化的消费者的保险需求。

Nowadays , PICC Dalian branch are still using traditional marketing channel , which cannot meet the fast changing market and the individual demands of insurance customers .

自公司成立以来，领导层高度重视保险营销渠道建设，形成了目前雇员直销、专业中介、兼业代理以及个人代理人四条主要营销渠道。

Since the founding , the company attaches great importance to insurance marketing channel construction , formed by employees sell , professional agent , part-time agent and individual agent .

首先改进原来考核方式，实行个人代理人的360度考核，建立星级个人保险代理人制度，完善了考核内容。

First of all to improve the original assessment mechanism , build a 360-degree assessment , the establishment of stars insurance agent system , and improve the examination content .

保险代理人管理系统是寿险公司对个人代理人进行管理的基本系统，该系统的开发和使用情况直接关系到一家寿险公司代理人管理的水平。

Insurance agent management system is used by life insurance companies to manage agents . The development and use of the system is linked with the management level of agents .

个人代理人队伍是中国寿险行业发展的基础，代理人队伍的稳定性直接关系寿险事业的可持续发展。

Individual agents are the foundation of the development of the life insurance industry . Its stability has a direct bearing on the sustainable development of the life insurance undertaking .

因此，对于寿险个人代理人营销体制的完善，应当以市场为导向，建立持续的长期的营销激励机制，并强化对于市场准入和销售行为的监管。

Therefore , individual life insurance agent for the improvement of marketing system should be market-oriented and establish sustained long-term marketing incentives , and strengthen market access and sales practices for the regulation .

然而，由于目前该行业主要是以个人代理人为主的市场营销模式，该模式中寿险公司与营销员建立的是委托代理关系。

However , due to the situation that this industry is currently operated under the marketing mode of individual surrogate , the relation built between life insurance companies and salesmen is a clientage relation .

另外，本文还引入太平人寿四川分公司代理人流失情况作为实证，并结合太平人寿个人代理人营销制度进行分析。

In addition , the paper also introduces the Tai Ping Life Insurance Company of Sichuan as a positive agent of wastage , combined with Taiping Life Insurance agent marketing , personal systems analysis .

告知义务人应向保险人履行告知义务，但在保险实务中，他们接触较多的是保险人的个人代理人，本文认为保险人及其代理人具有告知领受权，这就是告知的主体。

The obligors ought to disclose to the insurer . In practice the person that they have opportunity to contact is not the representative of the insurer , but the salesman who sells policies .

最后，根据需求层次的不同，对平安人寿的代理人进行了分类，论证了平安人寿保险公司对个人代理人激励机制改革措施的科学性和可行性。

Finally , according to their different needs , Ping An Life Insurance agents are classified , Ping An Life Insurance Company demonstrates that the incentives of individual agents of reform measures are feasible and scientific .

二是从中外资公司的营销模式看，外资寿险公司更注重依靠费用相对较低的个人代理人营销方式开展业务，个人营销保费收入所占比重接近90%，远远超过中资寿险公司不到60%的比例。

Secondly , foreign life insurance companies rely more on the relatively low cost marketing mode of personal agent channel , accounted for 90 percent of its total revenue , than the Chinese-funded life insurance companies where less than 60 % .

但是，随着寿险事业的进一步发展，寿险个人代理人的一些不利于市场发展的行为也暴露出来，其中寿险个人代理人的失信行为尤显突出。

However , as the market further develops , some individual agents ' behaviors have been discovered to be harmful to the developments of life insurance market , among which moral crisis is especially serious and has drawn great attention in the society .

营销体制呈现出多元化，银行保险，网络销售，电话销售，专业代理，经纪公司等营销渠道也取得了较大发展，但是个人代理人营销渠道仍将占据主导地位。

Showing a diversified marketing system , banking , insurance , Internet sales , phone sales , professional agents , brokers and other marketing channels also made a larger development , but the individual agent marketing channels will continue to occupy the dominant position .

在保险业迅速发展的今天，保险代理制度在保险市场已经成为不可或缺的一部分，保险个人代理人制度更是成为寿险业营销的主要渠道，显示出了强劲的发展势头。

Today , with the rapid development of the insurance industry , the insurance agency system in life insurance market has become an indispensable part , the individual insurance agent system is also becoming the main channel of life insurance marketing , showing a strong momentum of development .

基于此，我国保险个人代理人制度以提高保险供给，降低企业的成本，促进体制改革，带动就业以稳定社会以及提高保险代理市场国际竞争力为功能定位。

Based on this , the functional orientation of insurance agent system in our country is to improve the insurance supply , and reduce business costs , and promote insurance structural reform , promote employment to maintain social stability and improve the international competitiveness of the insurance agency market .

中国保险业个人保险代理人制度研究

China Insurance Industry Personal Insurance Agent System Research

主体的特殊性（有广义、狭义之分，具体为保险代理有限责任公司、兼业保险代理人和个人保险代理人）。

The special features of the mainstay of IAA ( sensu lato and sensu stricto , specified as insurance agent limited company and personal agent );

个人寿险代理制度是许多国家采用的主要寿险销售方式，而在我国，个人寿险代理人并不是一个独立的个体，他们总是组成一个个营业部或业务组来开展营销活动。

Personal Life Insurance Agent System is widely used in many countries , but in our country , they always promote the sales by a department or a section rather than by individuals .