Reduce reduction!Official disclosure of 5.7 million insurance sales staff

Economic Observation Network reporter Jiang Xin 5.707 million!

On September 19, the Intermediary Department of the China Banking Regulatory Commission notified the latest situation of the insurance company's sales employees (hereinafter referred to as sales staff).

Data show that as of June 30, 2022, 5.707 million salesperson registered by the national insurance company in the insurance intermediary supervision information system, of which 5.217 million were agency salesperson. This data reduced by 4 million compared with the officially reported number of people, and the above highs appeared in 2019.

A small and medium -sized life insurance company executives told reporters from the Economic Observation Network that the actual situation may be more fierce than this data. Although large -scale insurance companies, which are mainly personal agents in the past two years, have been "clearing" in the team, and regulatory regulations have also put forward new requirements for the performance of self -insurance parts, but there are still many false manpower to clean up.

Half -year manpower disappearing 700,000 large -scale insurance companies is the hardest hit area

Personal insurance agents occupy 70 % of the total number of agents. Data show that as of June 30, the 94 family insurance companies had 40.14 million people's practice registration and sales personnel, accounting for 70.3%; 90 property insurance companies' practicing registration and sales personnel were 1.693 million, accounting for 29.7%.

Data show that at the end of 2021, the number of sales staff of property insurance companies was 1.691 million, and the increase in the first half of 2022 achieved a slight increase. This also means that the decline in the size of the agent is mainly reflected in the life insurance company. Compared with the end of 2021, the industry sales staff decreased by 712,000.

In the past three years when the number of agents has been reduced by 4 million people, the pressure of life insurance operations has gradually improved. In the past two years, topics such as "humans have decreased", "to dark moment" and "transforming deep -water areas" have become keywords for discussing the development of the life insurance industry.

Insurance to get the world, review the development process of the insurance industry, and the personal agent system can be described as a key force to promote the development of the life insurance industry. Since the introduction of AIA has introduced the agent system to China, the insurance market has changed the small situation of wealth and life, and the life insurance industry has shown rapid development. This has also become an indispensable factor for the Laoqijia Life Insurance Company to maintain competitiveness and even partially becoming the world's Fortune 500 companies.

However, after the industry scale reached its peak in 2019, the development momentum changed. The agent system that has developed for 30 years has gradually appeared under multiple factors. the road.

According to the 2022 interim report, as of the first half of the year, the number of agents in Ping An's personal life insurance sales agent decreased from 60,300 at the end of 2021 to 519,000, a decrease of 13.5%. At the end of 2021, 820,000 people decreased by 74,000; the average monthly insurance marketers of Tai Baoshou insurance were 312,000, a decrease of 213,000 compared with the 525,000 at the end of 2021; The 186,000 people at the end of 2021 decreased by 57,000; the scale of Xinhua Insurance Insurance Agent was 318,000, a year -on -year decrease of 27.9%. The five -year -old insurance manpower in the first half of the listing insurance decreased by 496,000.

Zhan Zhong, vice president of China Life, said at his performance conference, "In recent years, due to various complicated external environmental influence, the life insurance industry is being adjusted in depth, and various companies are actively transforming. From the current point of view, the industry agent The scale is still in the downward channel, but the decline is slowing down, and there are signs of stability. From the data of the Laoqijia Life Insurance Company, the number of agents fell by 36%last year, and the decline rate in the first half of this year was 14%. "

The proportion of college degree or above increases

From the perspective of the gender structure of sales staff, data disclosed by the intermediary department show that women are 3.846 million, accounting for 67.4%, and male 1.861 million, accounting for 32.6%. In personal insurance companies, this data comparison is more obvious: 74.6%of female personnel of personal insurance companies, and the proportion of male and female personnel of property insurance companies is basically flat.

In the past two years, improving the quality of agents has become the core factor in the reform of the agent system of the life insurance industry. Although the quality of the agent of many first -tier cities in the company has gradually improved and the production capacity is also increasing, in terms of the market for millions of troops in the market, there is still a lot of room for improvement.

Judging from the sales staff disclosed by the intermediary department, the high school education personnel were 2.625 million, accounting for 46.0%, 2.258 million college degree or above, accounting for 39.6%, 824,000 people in junior high school and below, accounting for 14.4%of 14.4%. Essence It is worth noting that among the above three data, the proportion of college degree or above has increased, and this proportion in 2021 was 38.5%.

At the same time as the academic qualifications are improved, the agent's production capacity has also been improved: Data of the semi -annual report shows that the Ping An Life Insurance Agent channel is 31958 yuan per capita business, a year -on -year increase of 26.9%; the core manpower of Tai Insurance Life Insurance, the monthly insurance business income of the monthly per capita of 32,331 yuan , Year -on -year increased by 23.5%. At the same time, the number of members of China MDRT (million round tables) also increased significantly, from 9,848 in 2020 to 13,200 in 2021, an increase of about 3,352.

The intermediary department also disclosed the proportion of different types of personnel type personnel, 5.217 million agent sales personnel, accounting for 91.5%, 396,000 employee sales staff, 6.9%, 94,000 other contractor sales personnel, accounting for accounting Compared with 1.6%. Compared with 2021, the change of this proportion is that the proportion of agency and other types of sales personnel has increased, and the proportion of employee sales personnel has declined. The two property insurance companies were named for registration quality problems

In addition to this disclosure of manpower data, the intermediary department also disclosed issues such as registration quality.

The report shows that as of June 30, 2022, the same caliber data difference rate of the national insurance company sales staff in the intermediary system and the same caliber data of the insurance statistics information system was 0.77%. At a lower level. Among them, the system between the system between 162 insurance companies is less than 2%, and the difference rate between the system between 14 insurance companies is between 2%and 5%. Among them, the data difference rate of Fude property is 13.9%, which has a significant rebound from the previous statistical period.

In terms of completeness, as of June 30, 2022, the proportion of basic information elements in the national insurance company sales staff accounted for 1.42%, a decrease of 0.06%from the previous period.

Specifically, nearly 97%of insurance companies account for less than 5%, of which 74 insurance companies have completely eliminated the lack of basic information elements of sales staff. Those who lack the information elements of Mount Everest account for 13.8%, and the main reasons are not uploading photos.

- END -