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一我国现行营销体制中存在的问题(一)现行薪酬方案是强调规模激励机制,易导致短期经营绩效,不利于建立长期的竞争优势我国寿险业自引入个人代理制以来,其薪酬方式采用的是预扣客户后期缴费费用的佣金制,不同产品,不同期限,不同缴费方式的佣金不同,一般新单佣金率较高,为首年度保费的15%—35%,续佣逐年渐低但可持续2—5年。
A problem existing in the current marketing system in China (A) The current compensation program is to emphasize the scale incentive mechanism, which can easily lead to short-term operating performance is not conducive to the establishment of long-term competitive advantage Since the introduction of personal insurance in China’s life insurance industry, the remuneration approach adopted is Different from different products, different deadlines and different payment methods, the commission rate of new single commission is generally higher, which is 15% -35% of the first year’s premium, and the commission is gradually decreasing but sustainable 2 -5 years.