农行LL支行代理保险业务管理问题研究

发布时间：2018-02-14 23:44

本文关键词： 银行代理保险管理问题改善措施　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着全球经济一体化进程的加快,近年来中国在经济领域的发展和进步是飞速的,作为经济风向标的金融业在这其中表现得尤为突出,而作为金融业的两大支柱:银行业和保险业的合作与发展给中国经济、金融市场带来了蓬勃生机。1995年,一些诸如新华、泰安、华安等新成立的保险公司,由于开拓有效市场和建立稳定销售渠道的需要,开始致力于开展银行代理保险销售的业务。这给我国的经济金融发展注入了全新的活力,但同时保险业与银行业的业务融合也产生了一些问题,研究发现银保业务出现的问题多发生在城乡结合处的银行网点,集中表现为过度宣传、错误引导、虚假销售等方面。论文以农行LL支行作为研究对象,结合2010年-2016年LL支行代理保险业务的销售数据,详细阐述了LL支行多年来在代理保险业务方面所出现的问题,如员工误导性营销、保险公司人员冒充销售、产品到期后维权问题等,这些问题极大地影响了农行LL支行的后期发展,为了从论文中寻找到真实的原因,论文采用了案例分析、定量分析、数据分析等三种方法对2010-2016年的营销数据进行比对,经过分析对比,导致农行LL支行出现现阶段问题的原因分为银行内部监管不严、银行员工受利益驱使、银保业务流程不清晰等多个方面,为了更加充分了解农行LL支行的问题,论文列举了员工误导性营销、保险公司员工冒充银行员工营销、保险售后处理不及时等三个具有典型代表性的案例。并在论文最后提出了健全现有的代理保险制度、加强内部业务监督管理、落实责任制、深化银保合作、打造专业化团队、健全售前及售后服务管理机制等多种解决方案,这些方案的提出,将从根本上解决农行LL支行存在的保险销售顽疾,同时,也为众多的城乡银行网点提供了完善的银保业务销售解决方案。
[Abstract]:With the acceleration of the process of global economic integration, the development and progress of China in the economic field has been rapid in recent years, and the financial industry, as the economic vane, is particularly prominent. As the two pillars of the financial industry, the cooperation and development of the banking and insurance industries have brought vitality to the Chinese economy and the financial market. In 1995, some newly established insurance companies such as Xinhua, Tai'an and Hua'an, Because of the need to open up an effective market and establish a stable sales channel, we began to devote ourselves to the business of bank agency insurance sales. This has injected new vitality into the economic and financial development of our country. But at the same time, there are also some problems in the business integration of insurance and banking. The study found that the problems of banking and insurance business occurred mostly in the bank outlets in the urban and rural areas, which concentrated on excessive publicity and misguidance. Based on the sales data of LL branch from 2010 to 2016, this paper expounds the problems of LL branch in agency insurance business in many years. For example, the misguided marketing of employees, the impersonation of insurance company personnel, the protection of rights after the expiration of products, and so on. These problems have greatly affected the later development of ABC LL Branch. In order to find out the real reasons from the paper, the paper adopts a case study. Quantitative analysis, data analysis and other three methods compare the marketing data of 2010-2016. Through the analysis and comparison, the causes of the current problems in the LL branch of Agricultural Bank are as follows: the bank's internal supervision is not strict, and the bank employees are driven by the interests. In order to understand the problems of ABC LL branch more fully, the paper enumerates the misleading marketing of employees, the marketing of insurance company employees impersonating bank employees, At the end of the paper, the author puts forward the following three typical cases: perfecting the existing agency insurance system, strengthening the internal business supervision and management, implementing the responsibility system, deepening the cooperation between banks and insurance companies, and creating specialized teams. Improve pre-sale and after-sales service management mechanisms and other solutions. The proposal of these solutions will fundamentally solve the pernicious problem of insurance sales in the LL branch of the Agricultural Bank of China, and at the same time, Also for a number of urban and rural bank outlets to provide a sound solution to the business of banking sales.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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