Human Development And Its Strategic Research Of The Personal Marketing Channel In Life Insurance Company

In 1992, with the introduction of individual of insurance agency system, have broken the traditional after the birthday danger sale mode, individual life insurance marketing channel in new life insurance marketing model mainly in developing fast in China, and considerably increase the life insurance industry development speed and scale. But in this marketing system introduced the dozen years, after the disadvantages of personal agent system also gradually emerges: agent quality declining, capacity is very low, fall off the high rate, company financial cost increase, risk rising and the credit crisis, etc. Because these problem arises, the development of life insurance individual marketing channels were starting to face a series of subject: life whether human resources development predicament, part of a life insurance company is put huge increase member is difficult to recruit to the appropriate cost the life insurance marketing salesman; In the fierce competition in the life insurance market, a life insurance company rapid growth and premium scale slow growth of conflict.It is in such a background, China Pingan Insurance Company whether personal marketing channel faces has encountered development bottleneck, how to develop personal marketing channels and so on a series of subject. As China CiticBank,China Everbright Bank and China Pingan, comprehensive financial licence,A "big financial" era of China, and "formally opening the arrival of the era of big financial" of insurance industry as both advantages and disadvantages. Favorable is comprehensive financial platform to make, can promote the management level and the insurance company business scale, promoting the comprehensive competitiveness of insurance company; The disadvantages are that comprehensive financial lans crossover sales system of insurance business personnel questioned the basic qualities. Insurance salesman can adapt to the development trend of future human scale, how the future trend of development, we need to further research.Based on the analysis of relevant insurance individual marketing channel and the theory of life insurance market in China, through comparing personal marketing channel macro human movements and regional human movements, the life insurance market out our life insurance individual human characteristics of the development of marketing channel. Through comparing the foreign development quite mature life insurance market development of personal marketing channel movements, find out life insurance individual human development trend of marketing channels in China, judge the common features of the life insurance market development trend of personal marketing channels. On this basis, this paper adopts interdisciplinary research methods, the qualitative and quantitative, norms and empirical combination, use of our country insurance described statistics marketing human development present situation, and made analysis using the related theory of Labour Economics affect an individual choice behavior of marketing channel is analyzed.This paper puts forward life insurance individual human development of marketing channels with life insurance agent system, life insurance company management level and labor market pricing have related. And trying to influence China life insurance company personal marketing channel development factors proposes the solution countermeasure. This paper studies how life insurance industry of current market-based means to ascend through rational for sustained development of human scale has a positive and realistic significance for ascending life insurance, and thickening of the individual agents continued confidence has certain part practical guide.