保险代理人员留存率问题研究——以中国人寿成都市分公司为例.docxVIP

保险代理人员留存率问题研究 论 文 摘 要 当前，我国保险业发展势头迅猛，保险市场规模逐年攀升，仅次于美国和日本。在宏观经济压力下行的势态下，保险业依旧能稳固发展的原因在于，一方面，随着我国环境污染加剧、医疗成本上升、教育成本增长等大环境的变化，保险的作用日益凸显。另一方面，基层保险代理人员的敬业努力，也为保险业发展奠定了基础。保险代理人员是保险业发展的最初始、最关键的一环。代理人队伍的稳定及稳健扩张，很大程度上影响着公司的经济效益与品牌形象。然而，现状是我国保险代理人流失严重，据历史数据显示，新入职的员工在公司持续工作一年的人员只占同期入职的30% /news092945540.shtml。代理人队伍不定期的“大换血”给从业者、公司及行业带来了众多不良影响。伴随着保险市场的日渐繁荣，保险业的竞争也在逐渐加剧，如何在竞争中站稳脚跟，关键还在于对人才的吸引与挽留。 /news092945540.shtml 本文以中国人寿成都市分公司为调查研究对象，通过收集的数据分析该公司保险代理人的留存率现状及其影响因素，探究其所带来的不良影响。并结合访谈找出结论背后的真实原因，在深入认识问题的基础上，进一步寻找解决问题的方法。本研究旨在以实例为依据，为代理人、保险公司及相关政府部门三个不同主体建言献策，解决低留存率的问题。其一，对个人而言，强调通过增加精神激励来提高员工的归属；其二，对公司来讲，重点在发现人力资源管理六大板块中不利于人员稳定的因素，对症下药，完善企业管理中的劣势与不足；其三，宏观角度上讲，加大政府监管力度，明确代理人法律地位，健全保险监管体系建设。 关 键 词： 保险代理人 留存率 委托代理制 原因  Abstract At present, the insurance industry in our country is booming. The insurance market is rising year by year, which makes China rank third in the world, next only to the United States and Japan. The reasons why the insurance industry can still develop stably under downward pressure in the macroeconomic situation are as follows: on the one hand, because of the severe environmental pollution, the rising medical costs, the rising education costs and the occurrence of similar situations, peoples insurance consciousness gradually enhanced. On the other hand, it is due to the great efforts of the insurance agent. Insurance agent is the most original and the most critical element in the development of the insurance industry. Stable and robust expansion of agent team, to a large extent, affects the economic benefits of company and brand image. However, the fact is that the insurance agent erosion is serious in our country. According to historical data, new employees in the company who could continue working for more than one year account for 20%-30% of the recruits staff at the same period. Irregular completely new agent team for practitioners, company and industry has many bad effects. Along with the insurance market’s increasing prosperity,