保险经代渠道产品更新，首年佣金率普遍下降30%-50%。（Insurance agency channel product updates have resulted in a general decrease of 30% -50% in commission rates in the first year.）
继银保渠道推行“报行合一”之后，经代渠道“报行合一”也在加速落地。（After the implementation of the "integration of reporting and banking" in the banking and insurance channels, the "integration of reporting and banking" in the brokerage channels is also accelerating its implementation.）
近日已陆续有调整后的产品重新上架，多位保险经纪人表示，整体来看，产品调整后，手续费有一定程度下降，首年佣金率下调幅度在30%左右，部分产品下调幅度达到50%。（Recently, some adjusted products have been re launched. Several insurance brokers have stated that overall, after the product adjustment, the handling fees have decreased to a certain extent. The first year commission rate has been reduced by about 30%, and some products have been reduced by 50%.）
险企对产品调整有三种方式
“‘报行合一’调整后的产品陆续上架，产品几乎都采用了新的佣金率，目前还没调整佣金率的产品已经不多了。”某保险经代机构经纪人说道。（"After the adjustment of the 'integration of reporting and banking', products have been launched one after another, and almost all products have adopted new commission rates. Currently, there are not many products that have not adjusted commission rates," said a broker from a certain insurance agency.）
业内人士介绍，“报行合一”是指保险公司应严格执行经备案的保险条款和保险费率。近些年，人身保险业同质化竞争严重，保险公司费用管理普遍粗放，导致实际费用超出了产品报备时的水平，出现“报行不一”的情况。（According to industry insiders, "integration of reporting and banking" refers to insurance companies strictly adhering to registered insurance terms and insurance rates. In recent years, the homogenization competition in the life insurance industry has been severe, and insurance companies have generally implemented extensive expense management, resulting in actual expenses exceeding the level of product reporting, leading to inconsistent reporting.）
当前，监管层正在人身险行业推行“报行合一”。此前，银保渠道已率先推行“报行合一”，不符合监管要求的部分经代渠道产品也于近期陆续调整。(Currently, regulatory authorities are promoting the integration of reporting and banking in the life insurance industry. Previously, the banking and insurance channels had taken the lead in implementing the "integration of reporting and banking" policy, and some intermediary channel products that did not meet regulatory requirements have also been adjusted in recent times.)
资深保险经纪人李勇表示，保险公司对产品调整一般有三种方式：一是产品利益不变，下调佣金，佣金大约会在原有基础上打七折；二是佣金基本不变，下调产品利益；三是折中的方式，产品利益下调一些，佣金下调少许。
据专业人士介绍，不同的产品首年佣金率下调幅度不同，整体来看，下调幅度在30%左右，部分产品佣金率下调幅度较大，达到50%。某保险经代机构经纪人也表示，新产品佣金率下调较多，整体在30%-50%。
个人代理渠道、经纪代理渠道实施“报行合一”，对渠道代理人和业务员来说并不是好事，不少人直言“收入直接减半”。
由于收入降低，为了控制成本，公司可能会裁员压降成本。一家大型保险公司从业人士表示，“渠道全面报行合一后，预计个险队伍会裁员30%-40%。”
佣金下调对经代机构造成不小影响
佣金下调，也将对以利差为主要利润来源的经代机构造成一定影响。
有业内的分析声音：过往经代渠道收取的佣金水平较高，行业内较多代理人选择在经代公司展业获取高收入，预计“报行合一”后经代公司代理人佣金下降幅度或在30-50%，降幅高过保司个险代理人，可能会导致经代代理人回流保司。
“这肯定会引致从业人员收入的下滑，公司销售端也会有所影响，但这属于行业性调整，没有办法”，经代渠道业内人士坦言道，但他同时也认可，从行业角度而言，“报行合一”一定是利好。
“以往不少从业人员是靠返点返佣拉客，其拿到50%的佣金后，给消费者返10-20个点。佣金调整以后，相当于削减掉了返点的空间。曾经开一单赚一月，甚至赚一年的模式不再可行，本身业务量小，专业能力较低的从业者将加速剥落。”
“目前公司还没有明显人员脱落的情况，渠道人员的变动通常滞后于市场反应，大家都还在按节奏积极展业”， 某保险经纪公司团队长称。
“想要维持收入，满足考核标准，一是冲单量，二是拼服务”，一位已从业多年的保险经纪人向蓝鲸财经表述，“这是更良性的竞争环境。”
“从调整后的产品情况来看，消费者的权益并没有受到较大影响。
而对于保险行业来说，目前险企资产端承压，利差损风险如影随形，因此必须严格压降费用等其他成本，防范费差损风险，才能实现短期发展与长期发展、眼前利益与长远利益的平衡。
