我国保险营销渠道低碳发展问题探讨

我国保险营销渠道的高投入、高成本、高消耗、低效率、粗放式的发展方式不利于保险业可持续发展。当前保险专业中介渠道发展不足,营销效率不高,营销员队伍建设存在制度瓶颈,兼业代理市场不规范的问题依然突出。随着技术创新日新月异,制度创新的时机和条件日益成熟,国内各大险企充分发挥行业优势探索营销渠道低碳发展之路。本文从新制度经济学的角度探讨我国保险营销渠道的低碳发展的具体对策,即以低碳理念为指引,以完善的法律法规为保障,以技术创新为依托,以制度创新为切入点,以人才培养为核心。

The Low Carbon Development of the Individual Agent Distribution Channel

The extensive development model of the individual agent distribution channel of insurance companies,characterized with features of high input,high cost,high depletion and low efficiency,is inconducive to the sustainable development of the insurance industry.Currently,specialized insurance agencies are under-developed,agent distribution faces the problem of low efficiency,the expansion of the agent force has encountered a bottleneck,and noncompliance of intermediary agencies is still a serious problem.Along with the rapid pace of technical innovation,the conditions for institutional innovation are more mature.Major insurers are capitalizing on their unique advantages to explore a low-carbon development path of the individual agent distribution system.From the perspective of the New Institutional Economics,the paper elaborated on specific measures for blazing a low-carbon development path of the individual agent distribution system,which regarded low-carbon concepts as the guidance,perfected laws and regulations as the guarantee,technical innovation as the support,institutional innovation as the entry point,and talent cultivation as the core.