| 摘要: |
| 摘要：2023年以来，国家金融监管总局采取系列监管措施，着力调降保险产品的基础定价费率，切实压降人身险行业系统性风险，业内称之为“报行合一”。对“报行合一”的主要内涵、历史脉络进行梳理，讨论影响保险产品定价的费率、费用分摊等关键要素，结合市场经营实践分析其对中介渠道的影响及应对情况。研究发现，“报行合一”导致银行与经代机构的佣金收入显著下降、销售队伍脱落；银行业通过加强促销、提升技能、引入多元产品与服务高端客户等方式应对；经代机构则通过修订基本法、缩减成本、战略转型或退出市场等措施响应。长期看，“报行合一”有助于保险行业及中介渠道稳健发展。从优化发展策略、丰富产品供给、提升职业化水平和构建服务生态等方面提出对策建议。 |
| 关键词: 关键词：“报行合一”；人身保险；银行；经代；中介渠道 |
| DOI： |
| 分类号:F840.6 |
| 基金项目: |
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| Research on the Development of Intermediary Channel Business Under the Background of “Consistency Between Filing and Execution” |
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YOU Li1，ZHOU Zhi-ping2，HUANG Huan11,2
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1.(1.Guobao Life Insurance Co.,Ltd.Chongqing Branch;2.Guobao Life Insurance Co.,Ltd)
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| Abstract: |
| Abstract：Since 2023,the National Financial Regulatory Administration has implemented a series of regulatory measures aimed at reducing the base pricing rates of insurance products and controlling expense deviations,effectively mitigating systemic risks in the life insurance industry.This initiative is referred to as “Consistency Between Filing and Execution.” Through specialized interviews and textual analysis,this study systematically examines the core implications and historical context of “Consistency Between Filing and Execution,” with an in-depth discussion on key factors influencing insurance product pricing,such as premium rates and cost allocation.The most significant impact of “Consistency Between Filing and Execution” on intermediary channels is the notable decline in commission income for specialized and non-specialized intermediaries and the attrition of sales teams.In response,the banking sector has adopted measures such as intensifying promotional efforts,enhancing sales skills,introducing more companies and products,and deepening engagement with high-net-worth clients.Meanwhile,insurance agencies have adjusted by revising field personnel compensation structures,reducing internal staff size and salaries,implementing strategic transformations,or exiting the market altogether.In the long run,“Consistency Between Filing and Execution” is beneficial for the stable development of insurance companies,banks,and agency firms.Finally,this paper proposes countermeasures for strict compliance with “Consistency Between Filing and Execution,” including clarifying development strategies,diversifying product offerings,improving professionalization rates,and building a service ecosystem. |
| Key words: Key words：Consistency Between Filing and Execution；Life Insurance；Banks；Insurance Agencies；Intermediary Channels |
