个人保险代理人股权激励机制的实践探索与完善对策

• 作 者: 杨敏 张红梅
• 机 构: 湖北经济学院金融学院,华中农业大学经济管理学院,
• 出 处: 学习与实践
• 发表日期: 2011年08期
• 关键词: 保险代理人 股权激励机制 期权 股权激励 股票增值 虚拟期权 期权激励 代理成本 长期价值 保险营销员

股权激励是一种能够有效激发个人保险代理人人力资源积极性和创造性的管理方式,它有利于防范个人保险代理人的短期行为,降低代理成本和提升保险公司长期价值。个人保险代理人股权激励机制在我国尚处于尝试阶段,还有待进一步完善。当前要总结实践经验,积极探索规范的、可操作性强的股权、期权激励机制,逐步在行业内进行推广。

Equity incentive is a kind of management method that can stimulate the enthusiasm and creativity of human insurance agent effectively. It can help to prevent short-term behavior of individual insurance agent, reduce the agency cost and enhance the long-term value of insurance company. Individual insurance agent equity incentive mechanism in our country is still in the trial stage, yet to be further improved. At present, we should sum up our practical experience, actively explore standardized and operable equity and option incentive mechanisms, and gradually promote them in the industry.