寿险公司销售渠道成本管理问题探析

Cost management of sales channels for life insurance companies

寿险公司销售渠道成本管理仍存在一些问题:个人代理渠道业务推动成本高,投入与产出脱节;银保渠道产品保障功能不足,销售成本居高不下;团险渠道赔付成本偏高,短期险效益不佳;成本管理体系建设不健全,考核机制不到位.鉴于此,提出加强寿险销售渠道成本管理的对策:落实代理人管理制度,发挥制度产出效能;完善银保监管机制,加强行业纵深合作;重视团体业务成本管理,强化风险管控;加强成本精细化管理,优化成本考核体系.

As life insurance companies face high costs of sales in promotion,an individual agency,disconnection of input and output,insufficient guarantee of bank insurance,compensation cost of group insurance,poor short-term benefits,inefficient cost management system and displacement of assessment mechanism,countermeasures are proposed to strengthen the cost management of life insurance.They include implementing agent management and exerting output efficiency,improving the regulatory mechanism of banking and insurance,strengthening in-depth industry cooperation,emphasizing cost management of group business,strengthening risk control,refining cost management and optimizing the cost assessment systems.