Research On The Reform Of Marketing System Of Life Insurance Companies In China

Since the 80’s of last century, the insurance industry has entered into our country, the life insurance industry as an important part of the insurance industry has experienced the wind and rain, has obtained the rapid development. Now people’s life more and more can not leave the insurance, insurance for improving people’s quality of life and social harmony plays an important role. Over the past 20 years, the personal insurance agent system has been the main mode of life insurance marketing system in China, which has made outstanding contribution to the development of the life insurance industry. In recent years, the insurance industry calls for the reform of the marketing system is becoming more and more intense.In 2014, the new insurance state in the ten mentioned "steadily promoting the reform of insurance marketing system" shows that the reform of the insurance marketing staff system is imminent. The reform tend to start small, will gradually implement. So the research of this paper is to select the small and medium-sized life insurance companies in our country as the research object, because of the large number of small and medium-sized life insurance companies in China, they are mostly set up time is short, the scale is not large, the process of marketing system reform is easier and more flexible. The purpose is to find out the existing problems of the existence of the life insurance company, and analyze the reasons of its emergence. As a reference for the life insurance companies to implement the marketing staff of the proposed reform proposals.In this paper, the main ideas of this paper are as following:1. The first one is to put forward the problem; second, the theoretical basis; third, to carry out the empirical research; fourth, to propose policy recommendations. The main content is divided into six parts:The first part is the introduction, which briefly introduces the background of this paper, reviews the relevant literature on the development of the insurance marketing market at home and abroad, briefly introduces the purpose and significance of this research, and expounds the research ideas and research methods, and finally points out the innovation and shortcomings of this paper.The second part is the situation of China’s insurance marketing system, which mainly includes China’s premium income and marketing personnel in the main marketing mode, which is the main marketing mode. This part of the paper makes a comprehensive introduction of the main research subjects.The third part is a summary of the Chinese and overseas experiences of life insurance industry, which mainly includes the foreign countries (regions), Japan and Taiwan of China, and introduces the experience of other life insurance companies in our country, and the second part of this paper.The fourth part is the introduction of interview survey method. The basic concepts and characteristics of the interview survey method were summarized. The two methods were classified into individual investigation method and telephone survey method. And the author of the author of the actual interview process of the detailed record.The fifth part is the empirical analysis of the marketing staff of our country, including the choice of the empirical method, the determination of the variables and the data acquisition. From the company point of view, the basic situation of the Z company is described, and the implementation of the company’s employees to make a preliminary introduction, after the use of profit testing model method to analysis, and the input-output ratio, mainly to Z insurance companies, the actual situation of the investment ratio of the 5 years of innovation, and then compare the two models of specific content, such as commission payment rate and attendance system. Analyze the restriction factor of the employee system and put forward the corresponding conclusion and suggestion. This part and the fourth part constitute the key part of the article.The sixth part is to establish and improve our country life insurance marketing staff of the suggestion, this part is mainly on the front of the empirical results to sum up the development path, so as to put forward the implementation of employee system policy recommendations.The main innovation of this paper is the two aspects:the model of the Z company’s employee system reform and the future profit test. After the literature retrieval, the paper has not been found that the model of the study of the reform of the personnel system is carried out. Before our country there are many scholars from different perspectives such as employee satisfaction model, literature survey method to study the life insurance marketing system, the author thinks that life insurance companies as the marketing system of the implementation, certainly more eager to solve the problem of marketing system, so this paper is more direct, more comprehensive. Followed by the use of in-depth interviews to conduct an empirical study, which is more direct and flexible approach. But using the production ratio calculation model is a rough and imperfect financial model, thus obtained the conclusion possible biases, to be gradually improved in the follow-up study.