Suggestions On The Implementation Of Independent Insurance Agent System

Since the reform and opening up,China's insurance industry has been rapid development,and has played an important role in the development of national economy and social stability.Since the introduction of insurance agent system in the early ninety's,it has played an important role in promoting the development of China's insurance industry,improving the social security system,providing employment opportunities and promoting social stability.However,with the further development of the insurance industry,the problems of the insurance agent system are gradually exposed,affecting the sustained and healthy development of the insurance industry.In response,the China Insurance Regulatory Commission in September 2015 proposed the implementation of independent agent system,as one of the measures of marketing system reform.Independent agent is a new way of the Chinese insurance market.How to implement independent agent system according to its characteristics and combined with the actual situation of China's insurance industry,becomes the urgent need to study the subject.In this paper,using case studies and other analysis methods,and with the independent agent system as the main research object,the implementation of the system is discussed in comprehensive and systematic analysis.The independent agent system and the traditional insurance marketing system are compared,and the characteristics and advantages of the former are pointed out.Through the analysis of the problems and causes existing in the current domestic insurance salesmen,and to explore the impact of the implementation of independent agent system on the insurance market of our country produce and the role played by the settlement of existing problems,the paper points out the significance of the implementation of independent agents.Through the comparative study of the different levels of insurance agency system in developed countries (regions),the paper summarizes the enlightenment of China's Insurance Industry.This paper analyses from the angle of the development of the industry.According to the characteristics of the system of independent agents,in order to avoid the disadvantages of the traditional marketing system as starting point,and learning from the experience of developed countries (regions),the paper puts forward specific measures to implement the system of independent agents.The paper argues that the implementation of the independent agent system in China's insurance industry requires the joint efforts of the regulatory authorities,industry bodies and independent agents themselves.Regulators should develop independent agent related laws and regulations,establish service rating system,clear the parties regulatory responsibilities,and in the aspect of policy resources of independent agents to give special support;Industry need to build a number of services for independent agents,including the education and training institutions,business agency,insurance intermediary information platform,the daily business management system,etc.,to help the independent agents to carry out business smoothly;Independent agents should develop their own expertise,contact with customers through various channels,and provide quality service for customers,to gain an advantage in the market competition.