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1、中國壽險(xiǎn)代理人調(diào)查報(bào)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