保险科技背景下寿险个人代理人展业模式创新研究
ABSTRACT
In recent years, with the rapid development of insurance industry in China, life
insurance companies have exposed a lot of drawbacks in operation, especially the "sea of
people tactics" to establish a team of personal agents. The low threshold, large number of
agents and insufficient cultivation in the later stage lead to the poor quality of agents as a
whole. The emergence of insurance technology makes the insurance personal agent
channel usher in a broken opportunity. Relying on the innovative role of traditional
insurance companies, Internet insurance companies, other non insurance institutions and
other entities, insurance technology fully penetrates insurance exhibition links, enabling
agent exhibition process by providing mobile exhibition system. Under the background of
insurance technology, the new direction of the development of personal agent exhibition
mode is to obtain customers by big data and realize online and offline integrated services.
Intelligent insurance customers form simple suggestions for family insurance configuration.
In view of this and considering that the application of traditional insurance technology is
relatively mature, this paper takes e marketing of big data exhibition system of Ping An
Life Insurance Company of China and alpha intelligent insurance system of Pacific Life
Insurance Company of China as examples, and uses case analysis method to deeply
analyze the influence of big data and artificial intelligence technology in insurance
technology on personal agent exhibition Through the comparative analysis of the operation
principles and functions of the two exhibition systems, we find the possible risks of
scientific and technological innovation, and put forward targeted optimization suggestions,
hoping to integrate insurance technology and personal agent exhibition mode more closely,
so as to lay a solid foundation for the further development of personal agents.
This paper consists of five chapters, the first chapter is the introduction, which
introduces the background and significance of the topic, domestic and foreign research
review and research methods.; the second chapter is the concepts and theories. It includes
the definition of insurance technology and personal agent, the analysis of principal-agent
theory, long tail theory, consumer purchase decision-making theory and incremental
marginal income principle of insurance economics.These theories lay the foundation for
the third and fourth chapters. The third chapter is the current situation and problems of
personal agent development mode in China. From the number of personal agents, premium
income, sales regulatory policies, this paper analyzes the current situation of personal agent
