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On the Organizational Commitment for the Individual Life Insurance Agent

With the development of the life insurance industry, the individual life insurance agent plays a prominent role in the existence and development of life insurance company, while there are very few domestic researchers on organizational commitment (OC) of individual life insurance agent and lack of theory on individual life insurance agent management. The research on OC of individual life insurance agent has drawn the attention of management academia and life insurance company.

Taking two marketing areas of New China Life Insurance Company Shaanxi branch as an example, this paper makes a positive study on the structure and characters of individual life insurance agent, in order to construct the questionnaire pattern which is applicable in the research on OC of individual life insurance agent. Then it clarifies the impact of population characteristics (sex, place of birth, age, marriage status, personal income, burden of raising a family, educational level, etc) and job characteristics(duty level, work experience, job-hopping frequency) on OC, and provides some references to the optimization of organization management of individual life insurance agent industry.

The research is mainly composed of two parts. In the first place, on the basis of interviews with individual life insurance agents with regard to relevant documents, questionnaire on OC of individual life insurance agent came out and the individual life insurance agents were involved. In the next place, the paper analyzed the effect of both population and job characteristics on their OC and presented cycle model concerning individual life insurance agent.Five chapters were involved.

The first chapter overviewed the theoretical background, purpose of the paper and research development related to OC home and abroad. The second chapter gave a clear definition to the concepts of individual life insurance agents and OC and meanwhile introduced some theoretical information related to the scale and model of OC. In the third chapter, questionnaire on New China Life Insurance Company Shaanxi Branch was designed and distributed among quite a few individual life agents on the basis of interviews with individual life agents and managing workers from the company.

By analyzing data of the questionnaires, the structure of OC among individual life insurance agents was unfolded as follows: Ideal Commitment(IC), Affective Commitment (AC), Continuance Commitment (CC) and Normative Commitment (NC). The fourth chapter analyzed possible antecedents of OC from two perspectives, population characteristics (sex, place of birth, age, marriage status, personal income, burden of raising a family, educational level, etc) and job characteristics(duty level, work experience, job-hopping frequency).

The fifth chapter made a conclusion, then pointed out the shortcomings of this research and took a view of subsequent researches.The result showed that first, OC should be four-dimensional a structure-IC, AC, CC and NC. Next, sex, place of birth and burden of raising a family doesn’t affect the level of OC among individual life insurance agents, while factors including age, income, duty level, work experience and job-hopping frequency does leave a notable effect on IC, AC and the total level of OC among individual life insurance agents. Besides, married agents show …

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Choices to Deal with and Handle Business Financial debt – Small Business

Half of small companies fail inside their first 5 years due to insufficient funds, poor credit score arrangements, as well as business financial obligations. The distinction between an effective business along with a struggling company is dealing with the right quantity of debt in the right period. When coping with business financial debt, there really are a few options to alter a battling business to some successful 1.

Borrowing running a business makes sense to be able to create a income, financial development, or increase. However, there’s a fine line which is easy for smaller businesses to overextend on their own by borrowing an excessive amount of without the capability to help to make back what’s owed.

There tend to be two primary ways to cope with debt. First would be to save the company while deciding debt. Second would be to allow the company to fall short, but having a well built exit technique. This indicates financial consequences is going to be less.

To save the company, it may need taking money from pocket to place into your debt payoffs. This really is considered the calculated risk that may fail because easily because succeed. This choice should only be achieved if it may be justified like a short phrase tactic which promises an extended term payback.

If personal funds don’t work, then areas have to be identified exactly where costs could be reduced. An abandoned space might be subleases. Unused equipment might be sold away. The workforce might be reduced, although this isn’t attractive and it has other consequences that include it.

Talk in order to customers frequently to learn how to increase publicity and enhance the business design to generate more income. Offer greatest customers markdowns when they pay faster. Contact suppliers to set up discounts or even deferred obligations.

Creditors ought to be contacted as well as informed from the current financial debt situation. Ignoring lenders can make the scenario worse. Tackling the debt problem within the early stages can make the process simpler to resolve. It is within everyone’s greatest interest to locate a solution, so loan companies should use businesses to reduce interest prices, increase the line of credit, and restructure payment options.

Coping with multiple lenders or debt collectors can remove from the key responsibility associated with running the company. If this is actually the case, debt problems ought to be outsourced to some professional debt consolidation consulting organization. Reputable experts can work out with creditors with respect to the business to stay debts for under what is actually owed.

Loans could be consolidated in to one payment that may be reduced in to monthly expenses without adversely affecting credit score. Business debt consolidation reduction loans permit owners to cope with a solitary creditor instead of many. This may allow for any loan having a lower rate of interest.

This process is most effective when utilizing a debt discussion company. They’ll negotiate a brand new loan, collect payments in the business, and repay previous …

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Learn to Find The best Home business career

With the web becoming the actual potent medium to handle business actions successfully, internet business has observed a stable growth.

Many of you’ve heard of the house business opportunities which have created the buzz within the online company domain. It’s also being stated that work from home business offers you the chance to generate income.

However, to locate a legitimate home business career, you have to do your research well. You have to put within an honest work and research diligently to acquire business possibilities that enable you to earn the potential earnings.
In the actual sphere of internet business, it is extremely difficult in the future to the conclusion concerning the credibility of the business chance. Through the learning from mistakes method, as time passes and encounter it becomes simple to judge between the best business offer along with a scam.

You have to tread cautiously before becoming a member of any work from home business where you have to invest your own hard-earned cash. There isn’t any way associated with denying the advantages of being engaged inside a home-based company. You may juggle in between home as well as work. Your versatile schedule allows you to devote your time and effort and develop your company prospects. But you have to assess as well as use your good sense and judgment to determine the distinction between the scam along with a legitimate home business career.

When a person make thorough utilization of the internet to pick from a vast quantity of options regarding which business provide you with should get, think very carefully. A individual who is prepared to join a work from home business that she or he has taken curiosity about, should go to the business website of this respective company. It is completely necessary to enjoy this exercise to distinguish between the scam along with a productive legitimate work from home business opportunity. The company website ought to reveal the real picture for you.

If you find a website filled with exhaustive, appropriate information cataloguing the actual operating location, location from the business and also the contact details are supplied you’ll be able to rely onto it and contemplate it legitimate.

The web site should additional furnish information about how the company works, its manufacturer product line and the type of services it offers. Learn how many years it’s been a the main respective business. The on the internet reviews occasionally catalogue the actual feedback from the those who have been the main business. So probe deeper to obtain successful outcomes.

People purchase into franchises or a recognised company supplying a range for home business career because they require support as well as guidance. The setting up phase gets tricky as well as difficult without having adequate instruction programs. The great companies offer you resources to understand the efficient marketing methods and ways of taste achievement. Most legitimate home business career will need you to sponsor brand new people in order to recommend new individuals to …

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How your business can get competitive advertising advantage

Vision is a great gift to us all as eyes happen to be one of the most important sense organs in our body. What we see greatly affects what we think and how we react, so from a business point of view it is of utmost importance to make sure that people are seeing the right things. In this regards, led signs can have a crucial role to play. They way these lights can be used to attract the attention of people viewing at it, is simply fantastic. No matter what it is, using LEDs to display it will instantly add more charm and flair to it by default. Hence you can see a large number of businesses out there actively using the led sign of display for their advertisement.

Not everything can always be visible round the clock. We have bright sunshine in some places during the day and in the night there can be pitch darkness. So, no matter what the situation is, you just cannot expect every sign board or advertisement board to be visible to everyone from anywhere. But in the case where LED lights are used to accentuate this display, there results are there for you to be seen.

Even from a distance, these sign boards can be distinctly spotted and recognised. This is the unique power which technology has managed to achieve through the light emitting diodes(led). Scientists are no doubt to be credited for the same but what is also crucial is how you utilise this as a resource. So wherever you are attaching these led sign displays, it is of paramount importance that you get it right to ensure that you are making best use of the resources.

The role that led lights can play becomes even more significant when they are being installed at a place where there is heavy traffic of people, be it pedestrians or passers-by in vehicles. If these lights are utilised in the best possible manner one can easily expect the passers-by to become onlookers and the onlookers to turn into customers. This is how human psychology is affected and there is every reason why the same can be made to work in your advantage too. In an extremely competitive business environment like today one can understand that any line of business will have tough competition.

This way, merely serving superior quality products or service may not be the only solution. You have to ensure that whatever you are doing stands out. In this regard, one can make great use of technological brilliances like led lights to work in their favour. As a matter of fact, quite a few businesses are already doing so and in the process reaping great dividends. These led signshave proven to be quite eye catchy and can easily draw a lot of attention of people. So, it is important that you get your marketing act right and use these signs to the best of your advantage. You will be surprised to …

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Study the Application of Data Mining Technology in Prediction of Customer Churn in Insurance Company

Along with the globalized time’s arrival, the industrialization and the modernization of the developing countries in general (particularly Asian country) process acceleration, the energy demand increases largely, then the energy question becomes the world universal attention major issue now.

The energy security relates to a national and even the global survival and development, how will safeguard a national energy security is various countries’ internal affairs diplomatic work key point in the next long time, this point obtained more and more clear manifestation in the US, Japan, India and so on.

In order to safeguard the energy security, many countries have got to depend upon the import to satisfy the energy gap resulted from the economic fast development, therefore, it will has some national energy volume of exports also increase day by day, the energy contact will deepen unceasingly, various countries’ government will take seriously, will carry out a series of diplomatic activities unceasingly for it, hence, the energy diplomacy will be exceptionally active in the worldwide scale,“energy diplomacy”time along with it arrival.The shortage of energy restricts India develops.

There is 16% population of the world in India, the domestic oil gas proven reserves do not surpass 0.8% of the world. It is estimated that if cannot discover the new oil field early, the Indian present domestic petroleum proven reserves can only use to 2016. Compares with the oil resource deficient present situation, the Indian petroleum daily average consumption quantity actually amounts to 2,570,000 barrels, but 75% must depend upon the import. The expert believed that the energy gap will enlarge gradually, the foreign level of dependency unceasingly will also deepen along with the economical scale’s expansion.

The energy security has become India the hidden danger of state economy security.China and India are the developing countries, the economy develop fast, structure aspects and so on of energy consumption have the strong commeasurability, specially both countries similarly face the oil gas supply and demand contradictory to be prominent day by day and austere situation to import the crude oil dependence stronger and stronger. 40% petroleum need to import in China, India reaches as high as 75%. According to the International Energy Bureau predict that China will increase to 74% to the petroleum import’s dependence to 2030, India will increase to 91%.

Both countries oil gas import’s degree of dependency is quite high, and originates majority of from the Middle East. Therefore, it is significant to study India’s energy diplomacy for China, through more comprehensive analysis to Indian energy diplomacy, China should unify own characteristic, formulates the more reasonable energy foreign policy to ensure Chinese energy security.This article mainly uses the research technique which induces and compares, the full text divides into four major parts:The first part:

Energy diplomacy starting and Indian energy diplomacy. This part from contradiction this background which produced the world energy need and the supply, to prove energy diplomacy starting, in the energy market competition increasingly fierce time, many primary energy countries of consumption in the world to avoid …

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Promoting Tips So You Can Get Your Mind Going Finance Help Center

As one of the fundamental industries of our national economy, the products of agriculture are the most basic necessities of human and main raw material of industry and one of the main commodities of commerce. So agriculture plays a unique role in the development of the whole national economy. However the price of agriculture products is related to the development of agriculture itself and the stability of the whole commodity price. Therefore, as the basic price, its fluctuation must cause the fluctuation of the whole commodity price.

After we join WTO, our agriculture products will integrate into the international agriculture products market. With the all-side open of the market, the uncertainty of the market our main part of our agriculture products market is facing increases gradually. Under this kind of background, this article presents the subject ” evade the risk of our agriculture products is the realistic requirement of the producers and the sellers”.

Through analyzing the reasons and principles of the risk forming of the agriculture products, and use the advanced risk managing experience of the western developed countries for reference, this article presents the policy proposal of the evading way and the defense system for agriculture products price, then meet the objective needs of evading the price risk of the agriculture products producers and sellers. This article bases upon the current three agriculture problems of our country, and makes detailed analysis and study of the price risk and evading ways.

It uses the related knowledge of futures market, options market and forward contract, and the functions of evading risk to explain how to avoid the agriculture products price risk. It also presents the feasibility suggestion and solution, which provides a realistic and feasible way for the steady income of the peasants.The study content of this article is as follows:

1 .The reason of forming and its affection of he agriculture product price risk:The reason of forming of the agriculture price risk includes four sides: the fluctuation of the demands and supply total amount of the agriculture products, the influence of the national agriculture policy, the affection of the market and circulation factors, and finance currency factor. The writer uses the cobweb theory to analyze the inner principle of the agriculture product price risk. The conclusion is: the price risk has become the main risk the agriculture product producer and proprietor are facing.

2. The agriculture futures market’s function in the price risk managing of the agriculture products: it has the functions of price discovery and hedging. This article concretely explains how to make full use of the futures market’s function to evade the price risk efficiently. Meanwhile it analyzes the problems existing in the development of the futures market. It also explains to improve it depending on the policy, structure, trading rule and investment main body.Sharing and risk guarantee in the practice to improve the functions of the order agriculture.

3. The agriculture product options market’s effect on the price risk managing: this article expatiates the options market …

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Contractors insurance Toronto
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Information You Should Know on Contractors Insurance

Contractors insurance serves as both property and liability insurance that a construction contractor need to have. Contractors insurance is essentially a monetary protection to counteract the many potential things that can go wrong during a job. The protection the insurance provides is not only a luxury for contractors, but that it is also a necessity Contractors insurance Torontobecause they surely would not want to get caught up in liability lawsuit and not have insurance protection. In fact, it is even a means of getting hired as some clients require a contractor to have insurance before hiring them.

Contractors insurance is a coverage plan that is complete. The reason for this is that it helps in safeguarding the best interest of the contractor as they do their business. Having insurance coverage when you are a contractor helps in minimizing the risks that you have in the business. There are many risks and dangers in the construction business and having contractors insurance helps in lowering or minimizing the risks involved. The insurance serves as a security net against eventualities.

The truth is that majority of contractors think that contractors insurance is a necessity. They do not consider this as an unnecessary expense on their part because they know that it can save them from costly expenses should there be any unforeseen events that may occur on their work. Injuries, property damage, product damage are just some of the protection that contractors insurance provides and it is definitely something that may prove beneficial for the contractor as it safeguards their best interest from any untoward incidents that really no one wants to happen.

Although this form of insurance is not a compulsory, it is still best to have it should there be any unforeseen incidents that may occur while doing the job. Although this type of insurance may be quite costly to have, having such insurance is necessary. Contractors insurance Toronto contractors require this type of insurance because they understand its overall value and the protection that it can give them. Even though it is not mandated to have it, they urge their colleagues to have it because this not only serves as a protection, but one that can save them from any potential bankruptcy due to liabilities form unforeseen events or circumstances from their work.…

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