人身险个人营销体制改革将推动保险业高质量发展

Core Viewpoint - The issuance of the "Notice on Promoting the Deepening of Personal Marketing System Reform in the Life Insurance Industry" by the National Financial Supervision Administration marks a comprehensive and profound reform aimed at standardizing and promoting the healthy development of personal marketing in the life insurance sector [1][2]. Group 1: Background and Rationale - The "Notice" is based on two main considerations: the need to implement the central government's policy for high-quality development in the insurance industry and the urgent need to improve the personal marketing system in life insurance [2][3]. - Since the introduction of the personal insurance agent model in 1992, the personal agency channel has rapidly developed and has become a major driver of growth in the life insurance industry. However, the existing personal marketing system has shown significant shortcomings that need to be addressed [3]. Group 2: Positive Impacts of the Notice - The "Notice" will promote the transformation and upgrading of millions of agents, optimizing the sales personnel ecosystem. Currently, there are over 2 million personal insurance agents in China, with individual insurance business accounting for over 50% of the life insurance industry [4]. - It aims to optimize the commission incentive distribution mechanism to avoid irregularities and enhance the incentive effect. The "Notice" proposes four reform measures to improve the professional level of sales personnel and establish a more effective management and incentive system [5]. - The implementation of "reporting and operation in one" will strengthen industry regulatory efforts. The "Notice" requires insurance companies to prudently determine personal agency channel cost assumptions based on product types and sales complexities, ensuring accurate measurement and reasonable distribution of expenses [6]. Group 3: Establishing a Professional Honor System - The "Notice" calls for the establishment of a professional honor evaluation system for insurance sales personnel, shifting the focus from mere commission to service capability and customer satisfaction. This aims to enhance the professional identity of agents and ensure the stability of the sales workforce [6].