【作者】 徐静；

【导师】 薛跃；

【作者基本信息】 华东师范大学 ， 公共管理， 2008， 硕士

【副题名】以中国平安人寿上海分公司为例

【摘要】 保险业是金融体系的重要组成部分,而金融又是现代经济的核心,在我国经济转轨时期属于重点发展的部门。我国保险市场仍蕴藏着巨大的潜力,特别是人寿保险业,是朝阳行业,是社会的稳定器,是国家正不断地鼓励其健康发展的行业。寿险个人代理人是目前我国寿险业广泛采用的是保险销售媒介,个人代理人也是寿险市场的开拓者。作为人寿保险产品的重要销售渠道的个人代理市场,它的规范与否将直接关系到我国人寿保险业的兴衰,特别是入世之后,提升整体寿险业的公众形象也引起了多方面的重视,对它的改革更加紧迫与重要。本文首先以在上海寿险市场中一直保持领先地位的中国平安人寿上海分公司为研究个体,分析其在个人代理市场存在的问题,然后,以个别看一般,从公共管理视角,研究目前我国寿险个人代理市场存在的普遍问题,形成这些问题的原因。最后,以美国与日本的成功经验作为借鉴,结合我国国情,提出解决寿险个人代理市场问题的相应可操作建议。本文分为五个部分阐述。第一部分,导论。其中包含对本文关键词的界定、寿险个代市场监管的理论基础、寿险个代市场监管的研究背景、目的与意义、研究方法、路线和新颖之处的内容。立足公共管理角度,对研究的背景与基础等进行分析。第二部分:以中国平安人寿上海分公司作为研究对象,以详实的数据和案例,具体分析了其个人代理业务的现状、存在的问题。在此基础上,以点带面,从公共管理视角,揭示目前寿险个人代理市场存在的寿险个人代理从业人员违规、展业过程中对客户解释不清、个人代理人的投诉形势严峻等三大方面问题。然后针对存在的问题,从政府、保险公司、个人代理人和客户群体等各个角度,全面剖析了产生这些问题的根源。第三部分,通过对美国、日本保险市场及营销体制的了解、梳理,汲取可供借鉴的成功经验。美国的以保险代理人为主体的中介制度体系;日本的对保险中介市场实行行政立法管理和行业自律相结合的监管模式,和统一的行业教育培训制度等,都值得我国借鉴。第四部分,结合我国国情,提出解决寿险个人代理市场问题的相应可操作建议。即结合在发挥监管机构主导作用的基础上,调动保险公司、行业协会和社会公众的积极性,形成政府监管、企业内控、行业自律和社会监督“四位一体”的风险防范体系的我国宏观国情基础上,提出对该市场监管的主要主体应为:政府、行业协会、保险公司、社会监督四个角度实施监督与管理对策。第五部分,结论。在对全文进行概括总结的基础上,提出值得进一步研究的方面。对研究对象的调研充分和扩大调研范围方面值得有进一步的研究。这样能在更大的调研范围内最大限度地掌握信息,提炼出更加完整的现状问题并提出对策方法。本论文的贡献是:通过对中国平安人寿上海分公司的实际调查研究的总结,来剖析目前在整个寿险个人代理人中存在的共性问题和诱因,然后提出解决对策的建议,形成相应的研究成果,为了能够给予我国在寿险个人代理人市场的监管工作上提供有利的参考和借鉴。更多还原

【Abstract】 The insurance industry is the financial system an important component of the financial and is the core of modern economy, China’s economy during the transition period belong to focus on the development of the sector. China’s insurance market is still offered great potential, especially the life insurance industry, the stability of society, the country is continuing to encourage the healthy development of the industry. Personal life insurance agent is currently China’s life insurance industry is widely used insurance sales media, individual agents are also the pioneers of the life insurance market. Life insurance products as an important sales channel for the personal agent market, the norms or not it will be directly related to the rise and fall of China’s life insurance industry, especially after the accession to the WTO, improve the overall life insurance industry’s public image has attracted extensive attention, Its reform more urgent and important.This article has been selected in recent years, the life insurance market in Shanghai has maintained a leading position in Pingan insurance company of china, Ltd of Shanghai branch (LIFE) as a study. In its analysis of the individual agent market problems, and then to look at the individual in general, from the perspective of public administration, research is currently China’s life insurance market, the existence of individual agents of the general issue of the formation of these issues. Finally, the United States and Japan as a successful experience for reference, combined with China’s national conditions, personal life insurance agent to solve the problem of market operational recommendations accordingly.This article is divided into five parts.The first part of this introduction to the paper. This article in a includes the definition of words, the life insurance market supervision on behalf of a theoretical basis for a life insurance market supervision on behalf of the research background, purpose and significance of research methods, and the line of novelty. Public administration point of view based on research background and so on the basis of analysis.PartⅡ: Pingan insurance company of china, Ltd of Shanghai branch (LIFE) for the study to detailed data and case-specific analysis of their personal business agent of the status quo, the existing problems. On this basis, so as to point to face, from the perspective of public management, personal life insurance agent to reveal the current market of individual life insurance agent non-employees, exhibition industry in the process of clear explanation to customers, the personal representative of the complaints serious situation, and other aspects of the three . And then for the existing problems, from the government, insurance companies, agents and individual customer groups and other point of view, a comprehensive analysis of the root causes of these problems.The third part, by the United States, Japan’s insurance market and marketing system to understand, sort out and learn from the successful experience for reference. Insurance agents to the United States as the main intermediary system; Japan’s insurance intermediary market and the management of the executive and the legislature to implement self-discipline combined with the monitoring and unified system of education and training industry, are worthy of our reference.The fourth part of the combination of China’s national conditions, personal life insurance agent to solve the problem of market operational recommendations accordingly. That is, the combination of regulatory bodies to play a leading role on the basis of the mobilization of insurance companies, industry associations and the public’s enthusiasm to form a government regulation, corporate control, social supervision and industry self-regulation "four-in-one" system to guard against the risk of China’s macroeconomic situation Based on the market supervision should be the main subject: the Government, trade associations, insurance companies, four social supervision and management oversight point of the implementation of countermeasures.PartⅤ, Conclusion. The full text of the summary of the conduct based on the respect worthy of further study. Study of the full research and expand the scope of the research are worth further study. This can be a greater scope of research to maximize access to information, extracted from more complete issue of the status quo and come up with strategies approach.The contribution of this paper is: Pingan insurance company of china,Ltd of Shanghai branch(LIFE) of the actual sum up the research, to analyze the current personal life insurance agent in the entire existence of common problems and incentives, and then propose countermeasures to address the recommendations, the formation of the study Results, in order to be able to give my personal life insurance agent in the market to work to provide a favorable reference and learn from.更多还原