The decisive factor of the topic selection of senior management training in life insurance companies is the strategic planning of shareholders' meeting and board of directors of life insurance companies. The development strategic planning of life insurance companies is manifested in the choice of business structure and sales channels. Different perspectives, different classifications. In order to facilitate the study, according to the business structure, the current life insurance companies are divided into two categories: guarantee companies and financing companies.
The positioning characteristics of guaranteed life insurance companies are as follows: First, the proportion of guaranteed products is high. Recently, it can be noticed from the media that some senior executives of life insurance companies voluntarily returned to the traditional guaranteed insurance products when interviewed. The second is to attach importance to the construction of individual insurance. According to public information, the number of individual insurance teams of life insurance companies with large market share is on the rise, which has promoted the increase of the number of insurance salesmen in the whole industry. Third, there are few achievements in the use of funds, and there is a lack of generosity.
The positioning characteristics of wealth management life insurance companies are as follows: First, the proportion of wealth management products is high. Recently, according to media reports, the business development speed and scale of some emerging life insurance companies have surpassed those of traditional large life insurance companies. Second, pay attention to the agency channels of banks. In terms of sales channels, bank agency channels are the main ones. From the perspective of shareholder structure, the investors of such life insurance companies are banks, real estate holding companies and financial investment groups. Third, the use of funds is large, and the domestic market has invested in banks and real estate institutions, and has made expeditions to overseas markets, not only acquiring peers, but also setting foot in hotels and other real estate.
Corresponding to the business structure, the hidden risks of different types of life insurance companies are very different. Therefore, the theme of life insurance company executive training should be "tailor-made, personalized" training based on business structure.
Considerations: staff and commission
The influencing factors of the topic selection of senior management training in life insurance companies are the employment mechanism and commission system of life insurance companies. To sum up, there are two employment systems in life insurance companies at present. One is the agency contract system, that is, insurance salesmen or individual insurance agents; The other is the labor contract system.
Judging from the consumer complaint reports regularly issued by the regulatory authorities, it is reasonable that the complaint growth should be less than or equal to the business growth rate. The growth rate of complaints is ostensibly a problem of personnel management, but in essence it is a problem of business management. In order to curb the misleading sales of long-term products and improve the durability of customer service enthusiasm, we might as well change the commission to the average life method, that is, the insurance company pays the commission in a balanced way according to the total commission during the insurance period divided by the insurance period.
It can be predicted that if the insurance commission system is reformed, the existing number of 765,438+10,000 insurance agents will tend to decrease. At present, there are two different theories: layoffs and expansion. According to the theory of downsizing, the number of insurance agency service providers in China and the world is estimated to be between 6,543,800 and 6,543,800, so the existing group of 7,654,380 needs to be downsized. According to the expansion theory and the development plan of China's insurance industry, the future insurance industry will accommodate 7 million people in 2020,150,000 people in 2030 and 30 million people in 2050. The existing group of 765,438+10,000 people needs to expand. There are differences between the above two calculation calibers, but overall, we can see the development trend. The author agrees with reductionism, because the development of insurance business should not only be satisfied with "selling" insurance, but should strengthen risk control.
Countermeasures: overall planning and guidance
Based on the above analysis, the topic selection of life insurance company executives should comprehensively consider many factors such as business structure, sales channels, employment mode, commission mechanism and so on.
The first is overall planning. Continue to play the regulatory role of insurance regulatory authorities in the training of insurance company executives, guide insurance companies to abide by the relevant provisions of executive training, conscientiously implement the annual training points, ensure the organization and implementation of insurance company executive training, and ensure the appropriateness of training content.
The second is guidance. Continue to play the guiding role of insurance industry associations in the training of senior executives of insurance companies, and effectively organize training according to the main points of annual training.
Only through the overall planning of insurance regulatory authorities and the guidance of insurance industry associations, do a good job in the training of senior executives of life insurance companies, and guide the development of life insurance companies to conform to the national insurance industry policy, insurance regulatory system and the legitimate rights and interests of insurance consumers, can life insurance companies and insurance industries operate on an ideal track.
Determining the topic of senior management training in life insurance companies is the basic project of training, which is conducive to implementing the national development strategy for the insurance industry, observing the relevant regulatory provisions and measures of the insurance regulatory authorities, safeguarding the legitimate rights and interests of insurance consumers, and maintaining the insurance market and economic order.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.