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Study On Incentive Machanism Of Insurance Agents In China

Posted on:2009-08-15Degree:DoctorType:Dissertation
Country:ChinaCandidate:C P ZhangFull Text:PDF
GTID:1119360272979929Subject:Management Science and Engineering
Abstract/Summary:PDF Full Text Request
The insurance in our country develops lately. After joining WTO, the young Chinese insurance company competes with foreign insurance enterprise jointly. The competition is all-directions, among them the contesting and stimulation of the insurance agents is the point of the competition. That insurance agent is a basis on which insurance company relies for existing and developing, and the insurance agent's administration is the focal point of every insurance company.Compared with international insurance enterprises, there are some problems such as the single motivator and paying attention to short dated results only in the management of insurance company in our country. This stimulation pattern have affected the insurance agent's administration to insurance company, and made the development of the insurance company also absence innovation driving force and achievement lifting ability. Process drawing lessons to home and abroad stimulating theory, and background the actual situation currently of our country's insurance industry, the paper suggests that innovation direction of the incentive mechanism of insurance agents in our country will be long-term-relation, diversifying and moving forward layering , active studies the innovation research of incentive mechanism.At first, the paper analysis the background and significance of insurance agent's incentive mechanism research in our country. It illuminates the interrelated basic theories roundly, including information asymmetry theory, consignation-agency theory and basic about excitation theory all round and so on thesis relevance at the same time. Secondly, applying qualitative analysis to combine with quantitative analysis each other the paper treats the question of the present situation and problems of our country's insurance agents' incentive mechanism, and revealed the study system frame of inventive mechanism of insurance agents in our country.Then, the paper concretely researches incentive mechanism improvement of the insurance agents in our country from three aspects which are achievement effect evaluation mechanism, the salaries system and the behavior naturalization system. Among them, the achievement effect evaluation mechanism design is a basis, it memorably proposes subjective and objective performance indexes based on the stimulation-insurance contract basic mode based on the necessity analysis of reasonably designing performance evaluation mechanism. At the same time it gives the pattern choice of the performance information feedback. That salary system study of insurance agent is link. The salary system studies analyze the pattern that the system carrying out fixed reward and commission on the basis composing and managing mode of the insurance agent in our country. The behavior naturalization system studies of insurance agent are guarantee. It researches the system mode construction of the cultivation and train mechanism and confinement mechanism of the irregularities.The paper establishes an evaluation indexes system based on the evaluation target and the validity influencing factors of incentive mechanism of insurance agent in our country on principle of level, guidance quality, scientific, objectivity and direction. The indexes system includes 2 firstlevel indexes, enterprise performance level and employee gratification level, and 9 secondlevel indexes. It discourses each index's connotation and computing formula in detail and establishes level evaluation system of insurance agent in our country preliminarily. Based on above research, the paper deficits the weighing of the indexes system using the AHP and Delphi method and empirically analyzes Beijing Minsheng insurance. At the same time it analyzes the advantages and disadvantages of the incentive mechanism of insurance agent of the Minsheng insurance.At last, the paper proposes the countermeasure and suggestion to improve the incentive mechanism of insurance agent in our country. The concrete practice is to establish the commission system to coordinate the long-term benefits and the short-term benefits, build the performance evaluation mechanism which is matching with the reputation hierarchy, improve the actual cultivation system, establish the incentive mechanism which combines the enterprise development and employee personal development and which combines talent cultivation and talent use, and which draw into fixed income. The paper is intends to improve incentive mechanism of insurance agent in our country and to promote the insurance development in our country.
Keywords/Search Tags:Insurance agent, Incentive mechanism, Achievement effect evaluation mechanism, Salaries & reward system, Behavior direction system
PDF Full Text Request
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