【摘要】：龐大的個(gè)人營(yíng)銷員隊(duì)伍,為我國(guó)壽險(xiǎn)行業(yè)的發(fā)展做出了巨大的貢獻(xiàn),他們的存在保障了市場(chǎng)的有效運(yùn)行,加強(qiáng)了與客戶之間的溝通,不僅為大眾百姓普及保險(xiǎn)知識(shí),并為客戶帶來(lái)經(jīng)濟(jì)保障、財(cái)富傳承,推動(dòng)了整個(gè)保險(xiǎn)行業(yè)的發(fā)展。保險(xiǎn)營(yíng)銷員隊(duì)伍不斷的創(chuàng)新?tīng)I(yíng)銷模式,提升服務(wù)質(zhì)量,開(kāi)拓保險(xiǎn)公司的市場(chǎng)發(fā)展能力,推廣保險(xiǎn)理念,加速保險(xiǎn)行業(yè)的發(fā)展。然而,我國(guó)保險(xiǎn)行業(yè)高速發(fā)展的同時(shí)也存在一些管理體制方面的問(wèn)題,由于現(xiàn)行代理制存在一定管理方面的缺陷,如營(yíng)銷員法律地位模糊不清、雙重納稅等問(wèn)題,保險(xiǎn)營(yíng)銷員的權(quán)益保障問(wèn)題始終不能得到解決,已經(jīng)為公司的管理留下了一系列問(wèn)題,包括營(yíng)銷員歸屬感較低,人員流失嚴(yán)重,增員困難等。切實(shí)保障保險(xiǎn)營(yíng)銷員權(quán)益能夠增強(qiáng)保險(xiǎn)營(yíng)銷員的歸屬感和忠誠(chéng)度,穩(wěn)固營(yíng)銷員隊(duì)伍,提升保險(xiǎn)行業(yè)的整體形象,進(jìn)而推動(dòng)行業(yè)發(fā)展。因此,如何完善營(yíng)銷員權(quán)益保障機(jī)制成為當(dāng)前亟待解決的問(wèn)題。本文通過(guò)六個(gè)部分對(duì)保險(xiǎn)營(yíng)銷員權(quán)益保障問(wèn)題進(jìn)行分析論證,并提出未來(lái)轉(zhuǎn)型的可行性建議。保險(xiǎn)業(yè)的快速發(fā)展,離不開(kāi)保險(xiǎn)營(yíng)銷員的努力,因此在第一部分介紹營(yíng)銷員權(quán)益保障問(wèn)題研究的背景與意義,第二部分介紹營(yíng)銷員隊(duì)伍發(fā)展?fàn)顩r,以及現(xiàn)行營(yíng)銷員管理制度,由此挖掘保障營(yíng)銷員權(quán)益過(guò)程中存在的問(wèn)題,并作以分析;由于代理人制度存在一定的缺陷導(dǎo)致?tīng)I(yíng)銷員權(quán)益難以維系,因此在第三部分對(duì)代理人制度存在的缺陷進(jìn)行剖析,說(shuō)明體制改革的必要性,在文章第四部分介紹保險(xiǎn)市場(chǎng)成熟的發(fā)達(dá)國(guó)家的營(yíng)銷員管理體制的基本框架,從中思考總結(jié)具有積極性的推動(dòng)因素,為我國(guó)體制改革所借鑒。在第五部分,提出解決我國(guó)營(yíng)銷員權(quán)益保障問(wèn)題的改革途徑,并結(jié)合具體案例分析員工制,以期通過(guò)營(yíng)銷員管理體制的改革創(chuàng)新,切實(shí)保障營(yíng)銷員權(quán)益,加強(qiáng)保險(xiǎn)營(yíng)銷員歸屬感與忠誠(chéng)度,提升隊(duì)伍留存率,進(jìn)而促進(jìn)我國(guó)保險(xiǎn)業(yè)健康有序發(fā)展。文章最后一部分對(duì)全文進(jìn)行總結(jié)并提出不足之處。
[Abstract]:The huge team of individual marketers has made great contributions to the development of the life insurance industry in China. Their existence has ensured the effective operation of the market, strengthened communication with customers, and not only popularized insurance knowledge for the general public. And bring customers economic security, wealth inheritance, promote the development of the entire insurance industry. Insurance marketers keep innovating marketing mode, improving service quality, developing market development ability of insurance companies, popularizing insurance idea and accelerating the development of insurance industry. However, along with the rapid development of the insurance industry in China, there are also some problems in the management system. Due to the shortcomings of the current agency system, such as the ambiguity of the legal status of marketers, double taxation, and so on, The protection of the rights and interests of the insurance marketers can not be solved all the time, which has left a series of problems for the management of the company, including the low sense of belonging of the marketers, the serious loss of personnel and the difficulty of increasing the number of employees. To protect the rights and interests of insurance marketers can enhance the sense of belonging and loyalty of insurance marketers, stabilize the ranks of marketers, promote the overall image of the insurance industry, and then promote the development of the industry. Therefore, how to improve the marketer rights and interests protection mechanism has become a problem to be solved. In this paper, the author analyzes and proves the protection of insurance marketers' rights and interests in six parts, and puts forward some feasible suggestions for future transformation. The rapid development of insurance industry is inseparable from the efforts of insurance marketers. Therefore, in the first part, the background and significance of the research on the protection of marketers' rights and interests are introduced. The second part introduces the development of marketers' ranks and the current management system of marketers. Therefore, the problems existing in the process of protecting marketers' rights and interests are excavated and analyzed. Because the agent system has certain defects, it is difficult to maintain the rights and interests of marketers, so in the third part, the defects of the agent system are analyzed to explain the necessity of the system reform. In the fourth part of the article, the author introduces the basic framework of marketers' management system in developed countries with mature insurance market, and sums up some positive driving factors, which can be used for reference in China's system reform. In the fifth part, the author puts forward the reform ways to solve the problem of the protection of marketers' rights and interests in our country, and analyzes the employee system in combination with specific cases, in order to ensure the rights and interests of marketers through the reform and innovation of the marketers' management system. Strengthen the insurance marketers' sense of belonging and loyalty, improve the retention rate of the team, and then promote the healthy and orderly development of the insurance industry in China. The last part of the article summarizes the full text and puts forward the deficiencies.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F272.92;F842

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本文編號(hào)：2401195