The determination of the organizational structure of insurance agency depends on the characteristics of insurance agency business, the requirements of scientific management and the business objectives of the company. Due to the constant changes in the external environment, such as the increasingly fierce market competition, the development trend of insurance demand, the gradual marketization of premium terms, and the changes in their own business strategies, such as the adjustment of business methods, the construction of corporate culture, the formation of core competitiveness, the establishment and improvement of internal control management system for risks and expenses, etc., insurance agencies should find an organizational structure suitable for their own development and make necessary adjustments to the existing internal organizational structure according to business needs.
The main organizational forms of insurance agencies in China are partnership, limited liability company and joint stock limited company. Take an insurance agency as an example, its usual organizational structure is:
(1) The owner of the company-the shareholders' meeting. It is the leading body of the company and has the right to decide important matters of the company. Therefore, it is not an institution juxtaposed with the company's board of directors and board of supervisors.
(2) the board of directors. The board of directors is the company's business decision-making and business executive body.
(3) the board of supervisors. China's "Company Law" stipulates that a small limited liability company may have one or two supervisors to supervise the company's business activities, or more than three supervisors, and select a convener from them. The board of supervisors is composed of shareholders' representatives and employees' representatives in an appropriate proportion, and the specific proportion is stipulated in the articles of association.
(4) general manager. The general manager is responsible to the board of directors and attends board meetings as a representative without voting rights.
(5) Deputy General Manager. Responsible for the general manager, acting as the general manager.
(6) department manager. Responsible for the work of this department.
The establishment and division of insurance agencies can be based on functions, products, customers, services and regions. For example, according to functions, business management department, information technology department, planning and finance department, human resources department, etc. Can be established; According to the agent's products, motor vehicle insurance department, enterprise property insurance department, water insurance department and life insurance department can be established.
Organization chart of insurance agency, as shown in the figure.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.