The Research Of Agent Troops In Life Insurance Business Enterprise Field Of China

1, profession development conditionSince the local life Insurance business instauration starts in 1982,the life Insurance industry of our country got the quick development,exceeding into the stage in new history.Enter the 90's especially lateron, the life Insurance business keeps on the high speed increases,insurance fee of life Insurance of 2003 income already RMB 301.1billion, share 77.6% of the total insurance fee in same period income.2003Year, our country insurance density is that 297 RMB,insurance depth for 3.33%, be placed in world the 60 s—70, thereforesee from international development circumstance, the our countryHuman body insurance profession still be placed in develop entry-level, and latent and very big development space.But, from China Insureance Regulatory Commission (CIRC)statisticed the data manifestation: The national life in first half yearInsurance market insurance fee increase the speed to descendsignificantly in 2004, the national life Insurance insurance feecompares to increase the rate together only for 6.54%, but a half yearsthis arithmetic figure of 2003 is 41%.2002Year, Development Research Center of the State Council ofthe People,s Republic of China opens the exhibition to aim at thenational insurance consumption the need the inquisition of thecondition.The result shows, the Chinese city resident is widespreadand lower to the approval of the insurance company, the moreconsumer adopted the helpless and apathetic attitude to the sale of theinsurance company.Each insurance company starts anti think theproblem exsited in the fast development in profession process.2, the problem that insurance profession exsits:While ising the oneself bottleneck of the our country lifeInsurance profession development: The current domestic have theinsurance agent more than a totally, among them universityabove not enough 50%, foreign capital insurance company universitythe above personnel occupies the ratio wants higher than localinsurance company, parts of agents is in need of operate theconsciousness, ego management the ability is not quite right, its latentdevelopment space is smaller, even have no. But the insurance agent suffers the come-on of the commissionbenefits, often take the short-term behavior of damage customer'sbenefits in exhibition industry process, make the profession image ofthe life Insurance industry descended with public prestigecontinuously, should cause this create for the society the socialnegative effect that the life Insurance industry of the welfare resultedin the certain degree on the contrary, threatens seriously professiononeself development. Two is an agent exhibition industry to drive the dint to descendyear by year:The agent exhibition industry drives the dint to descendyear by year, this is the insurance business enterprise to operate thestrategy leads to the sex mistakes.The insurance company pursuesthe insurance fee scale persistently, from manage the process to arelast to is in need of to supervise and control to the behavior of theinsurance agent with reinforcements developments, from but misledthe short-term behavior of the agent directly. Three is the predicament of the life Insurance marketingmanpower: In recent years, each company increases the memberdifficulty continuously enlargement, increase the member cost to risescontinuously.Each company hires to just plan the specification out theset too at climb continuously," dig the Cape" the as well nasty play incost increases.Business troops public turbulence, not intentionalprovide the better service for the customer. Four is a society and law problem:On the other hand, presscurrent law in our country system to rule, the insurance company is notan insurance to employ( labor) contract relate to, but base on toentrust the agency contract on with the relation of the insurance agentto act for the relation.On the other hand, is management mechanismthat the main mission that CIRC to proceed to take charge of to theinsurance business enterprise from the laws, system...etc. aspect, butreturn the want for to the insurance agent effectively.Five is an insurance business enterprise to operate the managementprofessional lack: Each big inside life Insurance company is drawinglessons from the agent marketing system at the same time, as to it'sthe marketing management system of the back operates systemdevelopments the shortage with the reinforcements.Desk workinsurance profession talented person, is a fast development that highclass marketing management professional lack particularly, fittogether mutually with life Insurance industry not. Six is an our country resident insurance consciousnessproblem:At the our country, the insurance business develops todevelop with population, economy the comparison and is notabsoluteness direct proportion of, the basic problem is peopleinsurance culture to lack. 3, field work troops developments For the insurance business enterprise but talk, field work troopsdemand many angles, all-directionsly developments, but current esseproblem at most of is to insurance agent usual management, includeinto the department? Select into the department:It is the initial pass that insuranceindustry increases insurance agent the whole occupation character toselect into the department.The first step investigate, selects theinterview, latent test questionnaire with the agent qualificationsexamination is into the essential link that department select. Training:The new salesman is impossible within several dayswell-trained control is ingenuous, must have the study plan, followingthe sequence and advance gradually the ground teaches the methodwith the technique system ground to new salesman.The Newappointee training trained to complete the salesman with turn fromknow not a thing the change of the entry-level homework to theinsurance profession. Early meeting:Each insurance company all contain the wholeset of, and train the system in the continuously perfect salesman, butimpossible depend the training section only to require with to thetraining that satisfy all business the personnel, therefore will operateearly is an important link that insurance profession operate thesalesman.From once early meeting, will will constitute with businessset early early early two times meeting the system is the best time torealizes salesman knowledge with technical ability stores. Guides usually management:Guides to need to be resolved in...