The reporter of Shanghai Securities News learned from relevant channels today that under the guidance of the China Banking and Insurance Regulatory Commission, the China Insurance Industry Association (hereinafter referred to as the insurance industry association) has studied and formed the construction plan for the grading system of sales ability and qualification of insurance sales practitioners (hereinafter referred to as the draft for comments) (hereinafter referred to as the plan), which has been solicited for comments in the industry recently.
The plan focuses on the construction of the grading system of sales ability and qualification, and realizes the matching between the ability and qualification of sales personnel and the complexity of products by means of more authorization for high ability and less authorization for low ability, so as to solve the problem of the appropriateness of insurance product sales from the source.
The construction objectives proposed in the plan are: under the guidance of the China Banking and Insurance Regulatory Commission, distinguish different levels of sales ability qualification of sales personnel, establish unified sales ability qualification classification and vocational training standards, assessment and evaluation specifications and insurance sales authorization rules in the whole industry, promote the classification of sales ability qualification in the form of industry autonomy, and gradually promote the classification of sales ability qualification into the national vocational skill level recognition system.
In May 2020, the China Banking and Insurance Regulatory Commission (CIRC) issued two consecutive documents requesting to promote the grading of sales ability and qualification of sales personnel. Industry experts said that the plan is the implementation of regulatory requirements. It has drawn up a blueprint for the classification system of insurance salespeople from the aspects of main tasks, construction objectives and implementation steps, which will have a significant impact on nearly 6.42 million salespeople in the industry.
From the four aspects of classification standards, assessment and evaluation mechanism, authorization rules and vocational skill level identification, the plan has deployed the main work of establishing the classification system of insurance salespeople in the next stage.
Unified standards are the basis for the construction of a system. According to the plan, on the basis of full investigation and demonstration, according to the content of professional activities of salespeople, put forward comprehensive level specifications for their theoretical knowledge and professional skills, and form a unified recognized and jointly implemented sales ability qualification grading standard in the whole industry.
Secondly, the plan requires the establishment of a sales capability qualification assessment and evaluation mechanism with the combination of integration and division. It includes studying and formulating the assessment and evaluation norms of theoretical knowledge and professional skills corresponding to sales ability and qualification at all levels; Prepare corresponding training materials, examination outline, basic question bank and operation specifications of evaluation institutions; Guide insurance institutions to carry out vocational training, assessment and evaluation of sales personnel in an orderly manner according to norms and standards.
In addition, the plan proposes to establish hierarchical sales authorization rules corresponding to sales capacity and qualification. Follow the basic principle of more authorization for high-capacity salespeople and less authorization for low-capacity salespeople, and establish sales authorization management rules according to the complexity of insurance products.
Specifically, insurance institutions should establish an internal product sales authorization management system in accordance with the industry sales authorization management rules, comprehensively investigate the integrity, sales ability, qualification and business quality of salespeople, and carry out the sales authorization management of insurance products.
On the basis of these work, the insurance association will also actively strive for relevant policy permission and support, organize the construction of the national vocational skill standard for "insurance agents", and promote the identification of vocational skill levels.
The plan defines four step-by-step implementation steps. The first is to complete the construction of various supporting standards, the second is to complete the construction of various supporting standards, the third is that the industry has officially entered the transition period, and the fourth is to realize the normalization of the industry and promote the classification of sales capacity and qualification.
