Chinese And Foreign Marketing Insurance Individual Agent System Comparative Study

Today, with the rapid development of the insurance industry, the insurance agency system in life insurance market has become an indispensable part, the individual insurance agent system is also becoming the main channel of life insurance marketing, showing a strong momentum of development. Individual insurance agent system has been relatively mature after a long time of development, self-correction and perfection in foreign countries,the officially introduction of the individual insurance agent system in China is in 1992, by the American International Assurance Co. Ltd.Individual insurance agent can directly match the needs of the insured with the supply of insurance company, directly face-to-face communication with the insured, which has a more intuitive understanding of the information of the insured. It is also the most important way for life insurance company to carry out its business. It plays a very important role in the development and perfect of insurance market. By the end of 2010, the individual insurance agent had achieved a total premium income of 468208000000 yuan, which had increased 13.45%. But at the same time, we should also see clearly, at present,because of the insurance agent system in China has just started, insurance individual agent system has exposed several problem, for example, the legal status is not clear, the access mechanism is not perfect, training and promotion mechanism is not perfect, the lack of integrity, commission system is unreasonable, regulatory mechanism existing problem, and many other aspects, these are not favorable for the healthy development of insurance industry in China.This paper introduced the basic theory of agent system and the basic theory of the individual insurance agent, insurance agent system development in our country, analyzed the problem of China's insurance agent system,then mainly from the individual agent market general situation, characteristic, qualification, education and training system, access mechanism, supervision system and several respects,carried on the contrast analysis of the basic situation of the United States and Japan.Finally, from China's actual situation, proposed several countermeasures and measures to perfect the insurance individual agent system in our country. Our country insurance individual agent system's countermeasure and the suggestion, measures mainly include:the personal agent reasonable orientation, making the individual agent's legal status clear,carrying out multiple forms of marketing system, the establishment of strict access mechanism, improving the personal agent training, promotion system, establishing a good image of the individual agent, the reform of the commission and tax system of individual agent, perfecting the supervision system and so on.We must pay attention to in the presence of various problems in our country insurance agent system, learning from foreign countries the construction experience of individual insurance agent system, establish perfect system of insurance agents, which is coordinate with our condition, only so, can we make our country insurance industry develop healthy.