专访顾克伟：延长佣金发放周期有利于保险代理人长期发展

Core Viewpoint - The Financial Regulatory Bureau has issued a notice to reform the personal marketing system in the life insurance industry, aiming to address existing issues and promote the professional development of insurance sales personnel, thereby laying a foundation for high-quality industry growth [1]. Group 1: Impact on Sales Personnel and Structure - The restructuring of the traditional pyramid organizational model will disrupt existing profit-sharing mechanisms, potentially weakening the promotion willingness of ordinary agents and pushing them towards independent agent roles [2]. - Smaller insurance companies may find unique opportunities in this transformation due to their simpler channel structures, allowing them to implement independent agent systems more easily [2]. - The conversion of internal staff to sales personnel can enhance sales capabilities, but it raises concerns about fairness and potential conflicts of interest, necessitating legal protections and business safeguards [3][4]. Group 2: Commission and Incentive Mechanisms - The extension of commission payment cycles is expected to support long-term development and improve after-sales service, but it must be balanced with initial attraction and ongoing stability to motivate agents effectively [6]. - Incorporating service quality into performance assessments can enhance agents' focus on after-sales service and promote a long-term service mindset [6]. Group 3: Management and Supervision - Insurance companies must embrace their management responsibilities to protect consumer rights and mitigate risks, leveraging technology for better internal management and supervision [7]. - A clear management and reward system is essential, where high-performing agents are rewarded and those engaging in unethical practices face penalties [10]. Group 4: Challenges and Opportunities for Companies - The notice signals a necessary reform in insurance marketing systems, with the survival of agents being a critical issue that needs addressing [8][9]. - Improving agents' income and reputation is vital for attracting new talent and ensuring long-term commitment to the industry [9][10]. - Companies should offer diverse career paths for agents, allowing for both team-based and independent development options to ensure sustainable growth [10].