本文選題：保險代理　切入點：專業(yè)代理人　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：本文對我國保險代理市場的發(fā)展進(jìn)行深入研究，從經(jīng)濟(jì)學(xué)的角度分析了保險代理人存在的意義，了解了目前我國代理市場的發(fā)展現(xiàn)狀，并分別著重分析我國專業(yè)代理人、兼業(yè)代理人和個人代理人在發(fā)展中存在的問題，并分析了原因。借鑒國外成熟保險代理市場的成功經(jīng)驗，并結(jié)合我國保險代理市場的實際情況，運用SWOT分析方法提出保險代理市場的發(fā)展戰(zhàn)略是專業(yè)化、規(guī)�；�、信息化和市場化，并針對發(fā)展戰(zhàn)略提出促進(jìn)我國保險代理市場發(fā)展的具體建議。建議分別從宏觀、中觀、微觀三個層次提出，在宏觀層面建議政府加強(qiáng)監(jiān)管和行業(yè)自律，中觀層面保險公司和保險代理人應(yīng)該實現(xiàn)多元合作，實現(xiàn)長期共贏，至于在微觀層面，筆者認(rèn)為在專業(yè)代理人方面，最重要的是要實現(xiàn)專業(yè)化，可以強(qiáng)強(qiáng)聯(lián)合，最終實現(xiàn)集團(tuán)化，并成立專業(yè)的職業(yè)教育機(jī)構(gòu)，培養(yǎng)需要的人才；就兼業(yè)代理方面，給定信息和安排最優(yōu)的契約結(jié)構(gòu)能解決解決兼業(yè)代理人和保險公司之間的非對稱信息博弈，此外兼業(yè)代理人專業(yè)化將會推動保險代理市場的可持續(xù)發(fā)展；就個人代理人而言，建議建立風(fēng)險賬戶和保險代理人信息系統(tǒng)，以促進(jìn)行業(yè)的透明，減少交易成本。在壽險和財險方面，建議以專業(yè)代理人為主，兼業(yè)代理人和個人代理人為輔，專業(yè)代理人集團(tuán)化，，兼業(yè)代理人專業(yè)化，個人代理人保障提高，這將是未來保險代理市場的發(fā)展方向。
[Abstract]:This paper makes an in-depth study on the development of insurance agency market in China, analyzes the significance of the existence of insurance agent from the angle of economics, understands the current situation of the development of insurance agent market in China, and emphasizes on the analysis of professional agents in China. The problems existing in the development of concurrent-business agents and individual agents are analyzed, and the reasons are analyzed. The successful experience of foreign mature insurance agency market is used for reference, and the actual situation of insurance agency market in our country is combined. This paper puts forward the development strategy of insurance agency market is specialization, scale, informationization and marketization by using SWOT analysis method, and puts forward some concrete suggestions to promote the development of insurance agency market in China. At the macro level, it is suggested that the government should strengthen supervision and industry self-discipline, and the insurance companies and insurance agents in the meso-level should cooperate in multiple ways to achieve long-term win-win results, while at the micro level, the insurance companies and insurance agents should achieve long-term win-win results. The author thinks that in the aspect of professional agent, the most important thing is to realize specialization, to combine strong and strong, finally to realize collectivization, and to set up professional vocational education institutions to train the needed talents. Given information and optimal arrangement of contract structures, the asymmetric information game between concurrent-business agents and insurance companies can be solved. In addition, the specialization of concurrent-business agents will promote the sustainable development of the insurance agency market. It is suggested that risk account and insurance agent information system should be established in order to promote the transparency of the industry and reduce transaction costs. In life insurance and property insurance, it is suggested that professional agents should be the main agents, and concurrent-business agents and individual agents should be supplemented. Professional agent group, concurrent-business agent specialization, individual agent security increase, this will be the future development direction of insurance agency market.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842

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