中国寿险代理人调查报告china life insurance sector - agency survey 2012

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1、中国寿险代理人调查报告ChinaLifeInsuranceSector-Agencysurvey201217January2012AsiaPacific/ChinaEquityResearchLifeInsurance(Financials)ChinaLifeInsuranceSectorResearchAnalystsCHANNELCHECKArjanvanVeen85221017508arjan.vanveen@credit-suisse4>#ff66ff'>Agencysurvey2012FrancesF

2、engFigure1:Lessthanhalfofagentsdeemthecurrentenvironmenttobetougher85221016693frances.feng@credit-suisse#ff66ff'>%ofagentsurveyrespondentswhodeemcurrentenvironmentistougher70%60%50%40%30%20%10%0%ChinaLifePingAnCPICNCITaikangPICCLifeChinaCNinsureDatongTotalTa

3、ipingSource:CreditSuisseResearch,PiFinancialServicesIntelligence■Agencychannelkeytovaluegrowth.Wedeemtheagencychanneltobethekeytothelong-termsustainablegrowthandvaluecreationforinsurers,alsoprovidingsomeinsulationfromthemacroeconomicheadwinds.Assuch,wehaveco

4、nducted,inconjunctionwithPiFinancialServicesIntelligence,asurveyofover300agentsfromthemajorinsurersandbrokerstoexaminethischannelinmoredetail.■Agencyprofiles.Thetypicalagentcapturedinoursurveyisfemale(61%),middleaged(85%aged30-50),educated(83%withtertiaryedu

5、cation),experienced(6.3yearsindustryexperience),ateamleader(75%),withanaverageof40agentsintheirteam.Agentsaregenerallyloyal(only3%wouldconsidermoving)andhaveahighregardfortheirowncompanies(competitivenessrated4.6/5.0onaverage).■Insurancesalestougher,butmanag

6、eable?Only46%ofrespondentsthoughtthecurrentsalesenvironmentwastougherthanlastyear,ofwhich91%saiditwasduetocompetingproductsand47%duetoeconomicconditions.■Agencygrowthtougher.Some64%oftheagentswhotookpartinoursurveysaidthatitwasmoredifficulttorecruitin2011tha

7、npreviouslyandalargenumberofagentssaidthedifficultyinrecruitmentisduetoabadindustryreputationanddifficultyinmakingaliving.DISCLOSUREAPPENDIXCONTAINSANALYSTCERTIFICATIONSANDTHESTATUSOFNON-USANALYSTS.U.S.Disclosure:CreditSuissedoesandseekstodobusinesswithcompa

8、niescoveredinitsresearchreports.Asaresult,investorsshouldbeawarethattheFirmmayhaveaconflictofinterestthatcouldaffecttheobjectivityofthisreport.Investorsshouldconsiderthisreportasonlyasinglefacto