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被堵塞的桥梁怎样来把握现阶段的中国保险业发展进程?这有比较复杂的两个方面:中国的消费者迫切需要保险,但同时却对保险持有莫大的不信任情绪。而稍加分析会发现,这种不信任情绪直接源自良莠不齐的保险代理人群体。如何来表述中国保险代理人现状?这个眼下有着140万人规模的代理人模式缘起于保险代理人制度1992年被友邦保险公司带到中国,是中国寿险业营销的主渠道,目前保险业个人业务已占整个寿险公司保费规模的80%,保险代理人是10多年来中国寿险行业高速发展的源动力之一。但是低门槛导致的低素质人员构成已经对保险业的诚信体系造成了严重的伤害。保险代理人曾经大行其道的“人海战术”和死缠烂打拉保险的销售方式,以及媒体对某些保险代理人不规范操作的频频曝光炒作,所有这些因素共同形成了对保险代理人的自我与讨伐。而这种负面效应影响的决不仅仅是保险代理人的形象与保险业本身的发展,更在客观上影响了中国消费者接纳保险的热情,使得能帮助建立良好保障体系的保险业的发展形成了某种尴尬。对于眼下保险代理人与保险业的关系,太平人寿保险有限公司的一位高级业务经理打了一个形象的比喻:保险处在彼岸的位置,从本质上消费者对彼岸的保险非常需要,而保险代理人是一道桥梁,但现在却因为桥梁的问题望而却步。处于初级阶段但发展迅猛的中国保险业与职业化保险代理人群体已经形成了一对矛盾体。
The bridge to be blocked How to grasp the development of China’s insurance industry at this stage? This is more complicated in two aspects: Chinese consumers urgently need insurance, but at the same time they have a great sense of distrust of insurance. A little analysis will find that such mistrust comes directly from a mixed group of insurance agents. How to express the status quo of China’s insurance agents? At present, there are 1.4 million agents in the model originated in the insurance agent system was brought to China in 1992 by AIA, China’s life insurance industry is the main channel for marketing, the current insurance personal business Accounting for 80% of the premium of the life insurance company. Insurance agents are one of the driving forces behind the rapid development of China’s life insurance industry in more than 10 years. However, the composition of low-quality personnel caused by low thresholds has caused serious injury to the integrity system of the insurance industry. Insurance agents have been popular in the “sea of manpower” and stalker insurance sales, as well as the media for some insurance agents irregular operation of the frequent speculation, all of these factors together form a insurance agent Self and crusade. And this negative effect will not only affect the image of insurance agents and the development of the insurance industry, but will also objectively affect the enthusiasm of Chinese consumers in accepting insurance and help to form the insurance industry that can help establish a sound guarantee system Some kind of embarrassment. For now, the relationship between insurance agents and the insurance industry, Taiping Life Insurance Co., a senior business manager to make a vivid metaphor: insurance in the other side of the location, in essence, the consumer insurance on the other side of the insurance is very necessary, and insurance Agent is a bridge, but now because of the bridge problem. In the initial stage, however, the rapidly growing group of insurance and professional insurance agents in China has formed a contradiction.