我国个人保险营销员权益保障问题及其改革途径
发布时间：2019-01-05 03:21
【摘要】：庞大的个人营销员队伍,为我国寿险行业的发展做出了巨大的贡献,他们的存在保障了市场的有效运行,加强了与客户之间的沟通,不仅为大众百姓普及保险知识,并为客户带来经济保障、财富传承,推动了整个保险行业的发展。保险营销员队伍不断的创新营销模式,提升服务质量,开拓保险公司的市场发展能力,推广保险理念,加速保险行业的发展。然而,我国保险行业高速发展的同时也存在一些管理体制方面的问题,由于现行代理制存在一定管理方面的缺陷,如营销员法律地位模糊不清、双重纳税等问题,保险营销员的权益保障问题始终不能得到解决,已经为公司的管理留下了一系列问题,包括营销员归属感较低,人员流失严重,增员困难等。切实保障保险营销员权益能够增强保险营销员的归属感和忠诚度,稳固营销员队伍,提升保险行业的整体形象,进而推动行业发展。因此,如何完善营销员权益保障机制成为当前亟待解决的问题。本文通过六个部分对保险营销员权益保障问题进行分析论证,并提出未来转型的可行性建议。保险业的快速发展,离不开保险营销员的努力,因此在第一部分介绍营销员权益保障问题研究的背景与意义,第二部分介绍营销员队伍发展状况,以及现行营销员管理制度,由此挖掘保障营销员权益过程中存在的问题,并作以分析;由于代理人制度存在一定的缺陷导致营销员权益难以维系,因此在第三部分对代理人制度存在的缺陷进行剖析,说明体制改革的必要性,在文章第四部分介绍保险市场成熟的发达国家的营销员管理体制的基本框架,从中思考总结具有积极性的推动因素,为我国体制改革所借鉴。在第五部分,提出解决我国营销员权益保障问题的改革途径,并结合具体案例分析员工制,以期通过营销员管理体制的改革创新,切实保障营销员权益,加强保险营销员归属感与忠诚度,提升队伍留存率,进而促进我国保险业健康有序发展。文章最后一部分对全文进行总结并提出不足之处。
[Abstract]:The huge team of individual marketers has made great contributions to the development of the life insurance industry in China. Their existence has ensured the effective operation of the market, strengthened communication with customers, and not only popularized insurance knowledge for the general public. And bring customers economic security, wealth inheritance, promote the development of the entire insurance industry. Insurance marketers keep innovating marketing mode, improving service quality, developing market development ability of insurance companies, popularizing insurance idea and accelerating the development of insurance industry. However, along with the rapid development of the insurance industry in China, there are also some problems in the management system. Due to the shortcomings of the current agency system, such as the ambiguity of the legal status of marketers, double taxation, and so on, The protection of the rights and interests of the insurance marketers can not be solved all the time, which has left a series of problems for the management of the company, including the low sense of belonging of the marketers, the serious loss of personnel and the difficulty of increasing the number of employees. To protect the rights and interests of insurance marketers can enhance the sense of belonging and loyalty of insurance marketers, stabilize the ranks of marketers, promote the overall image of the insurance industry, and then promote the development of the industry. Therefore, how to improve the marketer rights and interests protection mechanism has become a problem to be solved. In this paper, the author analyzes and proves the protection of insurance marketers' rights and interests in six parts, and puts forward some feasible suggestions for future transformation. The rapid development of insurance industry is inseparable from the efforts of insurance marketers. Therefore, in the first part, the background and significance of the research on the protection of marketers' rights and interests are introduced. The second part introduces the development of marketers' ranks and the current management system of marketers. Therefore, the problems existing in the process of protecting marketers' rights and interests are excavated and analyzed. Because the agent system has certain defects, it is difficult to maintain the rights and interests of marketers, so in the third part, the defects of the agent system are analyzed to explain the necessity of the system reform. In the fourth part of the article, the author introduces the basic framework of marketers' management system in developed countries with mature insurance market, and sums up some positive driving factors, which can be used for reference in China's system reform. In the fifth part, the author puts forward the reform ways to solve the problem of the protection of marketers' rights and interests in our country, and analyzes the employee system in combination with specific cases, in order to ensure the rights and interests of marketers through the reform and innovation of the marketers' management system. Strengthen the insurance marketers' sense of belonging and loyalty, improve the retention rate of the team, and then promote the healthy and orderly development of the insurance industry in China. The last part of the article summarizes the full text and puts forward the deficiencies.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F272.92;F842
[Abstract]:The huge team of individual marketers has made great contributions to the development of the life insurance industry in China. Their existence has ensured the effective operation of the market, strengthened communication with customers, and not only popularized insurance knowledge for the general public. And bring customers economic security, wealth inheritance, promote the development of the entire insurance industry. Insurance marketers keep innovating marketing mode, improving service quality, developing market development ability of insurance companies, popularizing insurance idea and accelerating the development of insurance industry. However, along with the rapid development of the insurance industry in China, there are also some problems in the management system. Due to the shortcomings of the current agency system, such as the ambiguity of the legal status of marketers, double taxation, and so on, The protection of the rights and interests of the insurance marketers can not be solved all the time, which has left a series of problems for the management of the company, including the low sense of belonging of the marketers, the serious loss of personnel and the difficulty of increasing the number of employees. To protect the rights and interests of insurance marketers can enhance the sense of belonging and loyalty of insurance marketers, stabilize the ranks of marketers, promote the overall image of the insurance industry, and then promote the development of the industry. Therefore, how to improve the marketer rights and interests protection mechanism has become a problem to be solved. In this paper, the author analyzes and proves the protection of insurance marketers' rights and interests in six parts, and puts forward some feasible suggestions for future transformation. The rapid development of insurance industry is inseparable from the efforts of insurance marketers. Therefore, in the first part, the background and significance of the research on the protection of marketers' rights and interests are introduced. The second part introduces the development of marketers' ranks and the current management system of marketers. Therefore, the problems existing in the process of protecting marketers' rights and interests are excavated and analyzed. Because the agent system has certain defects, it is difficult to maintain the rights and interests of marketers, so in the third part, the defects of the agent system are analyzed to explain the necessity of the system reform. In the fourth part of the article, the author introduces the basic framework of marketers' management system in developed countries with mature insurance market, and sums up some positive driving factors, which can be used for reference in China's system reform. In the fifth part, the author puts forward the reform ways to solve the problem of the protection of marketers' rights and interests in our country, and analyzes the employee system in combination with specific cases, in order to ensure the rights and interests of marketers through the reform and innovation of the marketers' management system. Strengthen the insurance marketers' sense of belonging and loyalty, improve the retention rate of the team, and then promote the healthy and orderly development of the insurance industry in China. The last part of the article summarizes the full text and puts forward the deficiencies.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F272.92;F842
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