Since the China Insurance Regulatory Commission issued the Guiding Opinions on the Reform of the Salesman System, it has aroused discussions among many insurance practitioners. The opinions put forward more clear requirements for improving the treatment and protection of marketers. According to the CIRC, this can be achieved through various flexible forms, such as changing the agency system to the employee system, or adding a working state to improve welfare without changing the current agency commission system. Agents have different views on the change of agency system to employee system, which has always attracted much attention. Yu Qi, who joined Luen Thai MetLife in China and the United States eight years ago, said that he was more concerned about when the double tax system as an agent could be reformed when the relative agency system was changed to employee system. As for the great mobility of insurance agents, Yu Qi thinks that this is only a superficial phenomenon, and the deeper reason lies in the particularity of principal-agent in the insurance industry, which should be viewed objectively. Yu Qi, with the same level as Kai-fu Lee, 1992 graduated from the Physics Department of the First Normal University. He worked as a physics teacher for two years, then engaged in the futures industry, and worked as a restaurant manager at McDonald's and IKEA for seven years. In early 2005, he joined Luen Thai Metropolitan Beijing Branch as an insurance agent. Since then, he has never changed careers or jumped ship. As for the high mobility of insurance agents, he believes that this is due to the principal-agent relationship between agents and insurance companies, which is a normal phenomenon and should be viewed objectively. "I've heard a statistic that individual companies in China opened 100 this year, leaving five after five years. In other words, companies that choose their own jobs and become their own bosses have a survival rate of only 5% for more than 5 years. If an employee-based company has a retention rate of only 5%, there is definitely something wrong. However, insurance companies are different. Each agent is an independent individual company, and everyone is their own CEO. It is not surprising that the retention rate is low. " "To some extent, Kai-fu Lee and I are at the same level. He is the CEO and I am the CEO. " Tailor-made insurance product scheme is tailor-made for customers, which is what many agents are saying and trying to do. Although he has been in business for nearly eight years, Yu Qi also believes that it is not so simple to truly tailor-made. "Insurance plans are usually a combination of many different insurance products. A tailor-made insurance plan is an insurance product portfolio that customers feel can be satisfied under the existing conditions. Long-term tracking service will make customers' insurance plans constantly improve. " "Agents should maintain communication with customers under the compliance requirements of insurance companies, and finally combine different insurance products for customers like building blocks, instead of guiding customers to pay attention to benefits and ignore protection." Compared with the employee system, there are not many agents who care more about the tax system and enter the metropolis. Yu Qi still chooses to do his own sales instead of building his own team for two reasons. First, the basic law of metropolis embodies the concept of paying equal attention to sales and team building; Second, because individuals are more willing to serve customers. On the issue of changing the agency system from agency system to employee system, Yu Qi humorously compared it to "turning individual bosses into civil servants", which he thought could not solve the fundamental problem. Yu Qi believes that there is no identity problem for agents, and the unbalanced psychology comes from the double tax system. When the tax system can be reformed is a matter of concern to him. For example, insurance companies should be allowed to open collective social security accounts for agents, and non-Beijing agents should also be allowed to enjoy social security; At the same time, the agent's social security fee will be charged before tax. Tip: Different people have different policies. Not every marketer's life can not be guaranteed. Some marketers or insurance agents have their own customers and can live well without reorganization. The opinions issued by the insurance association this time are based on the interests of the lowest-level marketers in the insurance industry.