中国保险营销员管理体制问题研究

发布时间：2018-06-19 14:43

本文选题：保险营销员 + 管理体制　；参考：《广西大学》2013年硕士论文

【摘要】：自1992年以来,保险营销员制度在促进中国保险业快速增长等方面发挥了重要作用。但是,随着社会环境的不断变化,我国保险业了进入了新的发展阶段,保险营销员管理方面的一些体制性矛盾和问题开始显现。管理粗放、大进大出、素质不高和关系不顺等问题比较突出。通过改革创新中国现行的保险营销员管理体制,逐步解决这些问题,对实现我国保险业健康和可持续地发展、提升保险行业的社会形象、防范保险市场的系统性风险和维护保险消费者的利益具有深远的意义。中国保险监管部门也认识到改革现行营销员管理体制的重要性和紧迫性。中国保监会在2009年进行了深入的市场调研,在2010年正式启动了我国营销员管理体制的改革工作。到2012年,中国保险监管部门对我国保险营销员管理体制的改革思路更加明确,制定的改革措施和任务也更加具体,具有可操作性。不少保险公司也显示出了改革的热情,纷纷按照保险监管部门的政策积极地进行改革、创新和探索。在我国保险营销员管理体制的改革实践中,既有可喜的成绩,也面临诸多的困难。中国现行的保险营销员管理体制到底要怎样进行改革?改革的复杂性和艰巨性到底体现在什么地方?改革中要注意的问题有那些?改革的框架是什么样子的?改革的内容有哪些?本文将对这些问题做出探讨。本文按照理论分析→现实分析→经验借鉴→改革框架和改革建议的思路进行研究。研究发现,我国现行的管理体制存在着管理体制不够本土化、管理体制呈现粗放化和短期化等问题。这些问题的是由诸多因素长期积累而形成的。改革现行体制具有艰巨性和复杂性。在借鉴发达国家和地区的成熟经验的基础之上,笔者立足中国国情,构建了一个具有中国特色的动态改革框架——“三步走”的改革框架,即分三个阶段来逐步推进改革。最后,提出了保险公司要不断壮大其规模和资本力量,提高创新能力和依托现行管理体制完善八大保险营销员管理制度等七个改革建议。
[Abstract]:Since 1992, the insurance marketer system has played an important role in promoting the rapid growth of China's insurance industry. However, with the continuous change of social environment, China's insurance industry has entered a new stage of development, and some systemic contradictions and problems in the management of insurance marketers have begun to appear. Extensive management, big in and out, quality is not high and relationship problems are more prominent. By reforming and innovating the current management system of insurance marketers in China and gradually solving these problems, we can realize the healthy and sustainable development of the insurance industry in China and promote the social image of the insurance industry. It is of great significance to guard against the systemic risk of insurance market and to safeguard the interests of insurance consumers. China's insurance regulator also recognizes the importance and urgency of reforming the current marketer management system. China Insurance Regulatory Commission (CIRC) conducted in-depth market research in 2009 and officially launched the reform of marketing management system in China in 2010. By 2012, China's insurance regulatory department has made the reform of insurance marketers' management system more clear, and the reform measures and tasks formulated are more specific and operable. Many insurance companies have also shown the enthusiasm of reform, in accordance with the policies of insurance regulatory authorities to actively carry out reform, innovation and exploration. In the reform of management system of insurance marketers in China, there are not only gratifying achievements, but also many difficulties. How to reform the current management system of insurance marketers in China? What is the complexity and arduousness of the reform? What problems should we pay attention to in the reform? What is the framework for reform? What is the content of the reform? This article will make the discussion to these questions. Based on the theoretical analysis and practical analysis, this paper studies the reform framework and suggestions. It is found that the current management system of our country has some problems, such as insufficient localization, extensive management system and short-term management system. These problems are formed by the accumulation of many factors over a long period of time. Reforming the current system is arduous and complicated. On the basis of the mature experience of developed countries and regions, based on the situation of China, the author constructs a dynamic reform frame with Chinese characteristics-"three steps" reform frame, that is, to advance the reform step by step in three stages. Finally, seven reform suggestions are put forward for insurance companies to expand their scale and capital strength, to improve their innovation ability and to improve the management system of eight insurance marketers by relying on the current management system.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F272.92;F842.3

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