我國個人保險營銷員權(quán)益保障問題及其改革途徑
發(fā)布時間：2019-01-05 03:21
【摘要】：龐大的個人營銷員隊伍,為我國壽險行業(yè)的發(fā)展做出了巨大的貢獻,他們的存在保障了市場的有效運行,加強了與客戶之間的溝通,不僅為大眾百姓普及保險知識,并為客戶帶來經(jīng)濟保障、財富傳承,推動了整個保險行業(yè)的發(fā)展。保險營銷員隊伍不斷的創(chuàng)新營銷模式,提升服務(wù)質(zhì)量,開拓保險公司的市場發(fā)展能力,推廣保險理念,加速保險行業(yè)的發(fā)展。然而,我國保險行業(yè)高速發(fā)展的同時也存在一些管理體制方面的問題,由于現(xiàn)行代理制存在一定管理方面的缺陷,如營銷員法律地位模糊不清、雙重納稅等問題,保險營銷員的權(quán)益保障問題始終不能得到解決,已經(jīng)為公司的管理留下了一系列問題,包括營銷員歸屬感較低,人員流失嚴重,增員困難等。切實保障保險營銷員權(quán)益能夠增強保險營銷員的歸屬感和忠誠度,穩(wěn)固營銷員隊伍,提升保險行業(yè)的整體形象,進而推動行業(yè)發(fā)展。因此,如何完善營銷員權(quán)益保障機制成為當(dāng)前亟待解決的問題。本文通過六個部分對保險營銷員權(quán)益保障問題進行分析論證,并提出未來轉(zhuǎn)型的可行性建議。保險業(yè)的快速發(fā)展,離不開保險營銷員的努力,因此在第一部分介紹營銷員權(quán)益保障問題研究的背景與意義,第二部分介紹營銷員隊伍發(fā)展?fàn)顩r,以及現(xiàn)行營銷員管理制度,由此挖掘保障營銷員權(quán)益過程中存在的問題,并作以分析;由于代理人制度存在一定的缺陷導(dǎo)致營銷員權(quán)益難以維系,因此在第三部分對代理人制度存在的缺陷進行剖析,說明體制改革的必要性,在文章第四部分介紹保險市場成熟的發(fā)達國家的營銷員管理體制的基本框架,從中思考總結(jié)具有積極性的推動因素,為我國體制改革所借鑒。在第五部分,提出解決我國營銷員權(quán)益保障問題的改革途徑,并結(jié)合具體案例分析員工制,以期通過營銷員管理體制的改革創(chuàng)新,切實保障營銷員權(quán)益,加強保險營銷員歸屬感與忠誠度,提升隊伍留存率,進而促進我國保險業(yè)健康有序發(fā)展。文章最后一部分對全文進行總結(jié)并提出不足之處。
[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.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：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.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F272.92;F842
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