基于委托代理理论的寿险个人代理人佣金激励分析

Analysis of agent commission incentive based on the principal-agent theory

本文作者在进行针对代理人的问卷调查的基础上,建立代理人的效用函数和产出函数,利用委托———代理理论,对寿险个人代理人的最优激励合约进行分析。

This paper studies the optimal incentive commission design in insurance corporations based on principalagent theory.We hold a questionnaire on the life insurance agents and find the agents utility function.Taking the function into a principalagent model we propose that increasing commission will be more efficient in incentive.