jingzha，jiaocaichatuzhuyaocunzaisanfangmianwenti。yishibumeiguanxiangshang，yulideshurengenbenyaoqiucunzaichaju。zhengtihuafengbufuhedazhongshenmeixiguan，bufenchaturenwuxingxiangbijiaochoulou，jingshenfengmaobujia，meiyouqiadangtixianchuwoguoshaonianertongyangguangxiangshangdexingxiang。ershibuyansuguifan，gebiechatushenzhicunzaicuowu。chatushuliangguoduo，bufenchatuzhizuozhuanyeshuizhunbugao，gebiechatucunzaikexuexing、guifanxingwenti。sanshibuxizhizhunque，bufenchaturongyiyinrenwudu。bufenchatuhuizhicucao，yixiexiantiaohuizhiheyuansuxuanzebudang，tupianbilibuxietiao。tongshiyefaxianwangshangchuanbodeyixiewentichatubingfeirenjiaoshexiaoxueshuxuejiaocaichatu，youguanbumenyijiangqilieruquanmianpaizhazhenggai。

zuozhe：chenyangyuan

danrujin，zuoweizhongguozuidadechangweishangpin（baokuoershou、huishou、fanxinhezulinshangpin）C2Cshequhejiaoyishichang，xianyuzhezuoqiaoliang，yaoshouqu“guolufei”le。

genjuxianyuAPPfabudegonggao，xianyushequjiangcong2023nian6yue6riqizhengshiduibufenshangjiashixingshoufeizhengce。bencishoufeizhengcezhuyaozhenduideshizaipingtaikaizhangaopinqiegaoejiaoyidemaijia，duiyuqitamaijiajisuoyoumaijiajixumianshouruanjianfuwufei。

xianyuguanfangkefudui“kaizhangaopinqiegaoejiaoyidemaijia”dejutijieshishi：zaitongyiziranyuenei，xianyushequzhanghuxiachanshengdechengjiaodingdanshuliangdayu10jianqieleijichengjiaojinedayu10000yuandemaijia。zhenduichaochuhoudemeiyibidingdan，xianyujiangxiangmaijiashouqudingdanshijichengjiaoede1%zuoweiruanjianfuwufei。

congmuqianlaikan，zhexiangshoufeizhengceduijuedabufenxianyuyonghubingwuyingxiang，danweilaishoufeifanweishifouhuijinyibukuodashangweikezhi。gengzhongyaodeshi，suizheyewubianjiebuduantuozhan，xianyujiangruheguanlipingtaigeshigeyangdegerenmaijia、zhiyemaijia、jingyingxingmaijia？zaixinguidebeihou，xianyushifoujinyibuzouxiangleshangyehua？

“kaizhangaopinqiegaoejiaoyidemaijia”chuxianzaixianyushangbingburangrenyiwai，jinliangnian，zhiyemaijia“ruqin”xianyuzhengzaichengweiyizhongqushi。

duoweixianyuyonghuxiangdiyicaijingbiaoshi，zaishiyongxianyudeguochengzhong，tamenyuelaiyuejingchangyudaodiankaizhuyequanshishoumaitongyileichanpindemaijia。zhezhongmaijiatongchangyigezhanghuguazhejibaijianshangpin，shangpintupianjingzhi，zhudaquanxinbaoyou，“yikanjiubushiershouhuozhegerenshangpin”。

zaixikan，zheleimaijiadezhuyetongchangguazhe“yuxiaopu”debiaoshi。genjuxianyuguanfangkefuhuifu，zheshixianyushangxiandeyikuan“maijiayunyinggongju”，weixuyaodeyonghutigonggengfengfudegongjuhefuwu，muqian“yuxiaopu”dekaitongxuyaoxitongdingxiangyaoqing。“yuxiaopu”lijiyouzhiyemaijiayeyouputongmaijia，buguo，kaitong“yuxiaopu”demaijiakeyifabu500geshangpin，hendachengdushangyinghelezhiyemaijiadexuqiu。

zhiyemaijiasuandeshangshixianyutuozhanyewubianjiedeyibufen。2019nian1yue，xianyujiuzengshangxianxianyuyoupinpindao，rangjingguopingtairenzheng、youzizhideshangjiazaixianyuyoupinpindaoneifabushangpin，2020nian，xianyuyoutuichuProzhanghao，shengjimaijiayunyinggongju，houshengjiwei“yuxiaopu”。

zhiyemaijiaweixianyudailaidechanpinfengfuduyuGMVzengchangxiangdangkeguan。2020nian3yue，xianyuxuanbuqidong“1yiyuanxianjinbangfuhuaqiangbei”jihua，zhizaibangzhu6wanduohuhuaqiangbeishangjia，weici，xianyuweihuaqiangbeishanghukaipichuleyitiaoruzhudelvsetongdao，bingfuyiyijijingzhunliuliangfuchi。elibabafabudecaibaoshujuxianshi，2020cainianxianyuGMVchaoguo2000yiyuan，tongbi2019nianzengchangchaoguo100%。

2021nianxiabannian，xianyuhaiyinrudisanfangfuwushangkaifadePCduanguanligongju“xianyuguanjia”，zhuanmenbangzhuzhiyemaijiadatongtaobaohexianyu，guanliduogexianyuhao。keyishuo，mouzhongchengdushang，xianyuyizhizai“zhudong”yinruzhiyemaijia。

danzhiyemaijiadaigeixianyudeweijiyeburonghushi。zaiheimaotousu

lingshoudianshangxingyezhuanjia、bailianzixunchuangshirenzhuangshuaixiangdiyicaijingbiaoshi，ershoudianshangshejidepinleitebieduo，shangyehuaqianjinghenguangkuo，dantiaozhanzaiyuguimohuananduda，henduoxingyemeiyoubiaozhun，yonghutiyannanyikuaisutisheng。

ciqian，xianyuzengduiwanchengliangzhengliangzhaohuogerenshengming，xianyugerenzhuyezhanshi“shang”biaoshidejingyingxingmaijiayaoqiuqitigong“qitianwuliyoutuihuo”，bufen“yuxiaopu”maijiajiubeinaruleguanlifanchou。chucizhiwai，xianyuhaizai“yanhuobao”dengshangpinjiandingfuwufangmianbuduanjinxingzheguize、fuwushengji，danpingtailuanxiangzhilirengrannanyiyicuerjiu。

erzhenduibencishouqufuwufeideyuanyin，xianyuguanfangkefuyezaixiangguandafuzhongxiedao：suizheyonghutiliangdezengchang，pingtaizaijishu、yanfa、yunying、fuwudengduogefangmiandetouruyezaichixuzengjia。shouciqidongshoufeizhengcedebeihou，xianyudeguanlichengbenyunandutishengdeyalibuyaneryu。

yigezhideguanxindewentishi，cicishoufeizhengcedetuichushifouyiweizhexianyuzaijiasu“shangyehua”？

shangxian9nian，xianyude“shangyehua”zhiluzoudebingbusuankuai。“xianyubuhuikaolvxianggerenyonghushouqujiaoyiyongjin。”shangxianzhichu，xianyudechuangshirenchenweiyezengduiwaichengnuo。

duixianyuyouzheshequfenxiang、shenghuofangshiyinlingdengzhuduoqidaishi，xianyudechuangshirenheeligaoguanmendouzengbiaodaguoxianyubuzhejibianxiandeguandian。2018nian，shirentaobaozongcaijiangfanzengzaixianyudeyichangfabuhuishangtidao，“1000yiGMVduixianyulaishuobingbushishengyi，ershiqianyishehuiziyuandejieyue，zheshixianyudexiaochengji，yeshixianyucongyierzhongdeshiming。”zaitakanlai，biqishengyi，xianyuyuelishengtaineigeyewudexietongshifenzhongyao，lirutaobao、tianmaojiangzaiyewuzhongyinruxianzhiziyuanxunhuanliyongdechangjing，xianyuquanmianweitaobao、tianmaoyonghutigongyijiuhuanxinfuwu。mouzhongchengdushang，bishidexianyugengxiangshielishengtaijiankangdeyizhongbuchong。

rujin，xianyudeshoufeizhengcekenengyezhixiangelineibushengtaidexietong。tianshitouzirenguotaoxiangdiyicaijingbiaoshi，xianyupingtaiyongyouzhucemenkandi、wuxujiaonafeiyong、keliuliangdayuyonghuduodengyoushixiyindaliangshangjiaruzhupingtai，youbushaomaijiafangqitaobaojitianmaozhuanxiangxianyupingtai，duitongshuyushengtaixitongneidetaobaokenengzaochengyidingchongji。zaitakanlai，duigaopingaoemaijiashouqufuwufeikeyijianshaopingtaizhijiandejingzheng。

erzhuangshuaizexiangdiyicaijingzhichu，xianyutuichushoufeizhengcedezhuyaomudehaishiweileyinglidexuyao。zaielijituan“1+6+N”zuzhibiangehou，geyewudeyingliheziwozaoxuenengligengshouwaijieguanzhu，“bijingkaishidulifazhanle，caiwushanghuigengyouyali。”zhuangshuaibiaoshi。

jinguanbencishouqufuwufeizhendui“dingdanshuliangdayu10jianqieleijichengjiaojinedayu10000yuan”maijiademenkanjiaogao，dabufengerenmaijiabuhuishoudaoyingxiang，danzaiyixieteshupinlei，xianyuhuoxunenggouhuodebuxiaodeshangyebaochou。

congxianyuAppdeshouyetuijianlaikan，xianyuzhengzaituidongpingtaigaojiapinleidefazhan。shouji、shechipin、wenwannaizhiershouchedengleimuzhanjuzheshouye“huangjinpindao”，haowuyiwen，tamenyeshizaibencishoufeizhengcezhongzuikenengweixianyu“chuangshou”deduixiang。

cong“zhiyemaijia”shouzhongzhuanqianyeyuelaiyuechengweixianyushangyehuadezhongyaobufen。zaibangzhuzhiyemaijiadatongtaobaohexianyuhou，diyicaijingfaxian，rujinzaixianyupingtaisousuoshangpinshihenrongyijiuhuijinrumaijiade“taobaojiemian”。yonghuzhiyaodianjixiafangdaiyou“guanggao”biaoshidelianjie，jiuhuizhijietiaozhuandaogaishanghudetaobaodianpuchanpinxiadanyemian。hunruershoushangpinzhongde“taobaoguanggao”，weishangjiadailaideyinliuhejiaoyilianlusuoduanxiaoguobirangengweikeguan，yezaiweixianyudailaiguanggaoshourudebuduanzengchang。

zaijinglileduocihuanshuaihou，zengbiaoshi“xianyushangyehuafenweibunengtainong，womenjingtibaxianyugaochengchanye”dechenweiyeyiyu2019nianlikaixianyu。muqianlaikan，bencishoufeizhengceshejidedagailvshibufenBduanshangjia，danzaizhebeihou，xianyudeshengtaiyushangyehuasihuyizouxianglexindebianjie。

zerenbianji：zhouwei

　　　　不是说有审查的吗？但力度放松也是有客观原因的。我国目前在用的教材总共19万种，其中光是面向中小学的基础类教材就有1万多种，每个细节都要一一把关，工作量非常巨大。?<(<)p(p)>(>)作(zuo)者(zhe)：(：)杜(du)川(chuan)<(<)/(/)p(p)>(>)<(<)p(p)>(>)2(2)0(0)2(2)0(0)年(nian)1(1)2(2)月(yue)2(2)3(3)日(ri)，(，)《(《)关(guan)于(yu)发(fa)展(zhan)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)有(you)关(guan)事(shi)项(xiang)的(de)通(tong)知(zhi)》(》)出(chu)台(tai)，(，)行(xing)业(ye)期(qi)待(dai)多(duo)年(nian)的(de)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)模(mo)式(shi)终(zhong)于(yu)落(luo)地(di)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)保(bao)险(xian)代(dai)理(li)人(ren)于(yu)1(1)9(9)9(9)2(2)年(nian)引(yin)入(ru)我(wo)国(guo)保(bao)险(xian)市(shi)场(chang)，(，)之(zhi)后(hou)人(ren)员(yuan)队(dui)伍(wu)发(fa)展(zhan)迅(xun)速(su)，(，)逐(zhu)渐(jian)成(cheng)为(wei)保(bao)险(xian)营(ying)销(xiao)最(zui)重(zhong)要(yao)的(de)渠(qu)道(dao)。(。)但(dan)近(jin)几(ji)年(nian)来(lai)，(，)不(bu)少(shao)保(bao)险(xian)公(gong)司(si)出(chu)现(xian)了(le)代(dai)理(li)人(ren)数(shu)量(liang)下(xia)降(jiang)的(de)现(xian)象(xiang)，(，)保(bao)险(xian)业(ye)传(chuan)统(tong)销(xiao)售(shou)模(mo)式(shi)遭(zao)遇(yu)瓶(ping)颈(jing)，(，)保(bao)险(xian)代(dai)理(li)人(ren)亦(yi)面(mian)临(lin)转(zhuan)型(xing)与(yu)挑(tiao)战(zhan)。(。)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)制(zhi)度(du)能(neng)够(gou)为(wei)代(dai)理(li)人(ren)制(zhi)度(du)带(dai)来(lai)新(xin)生(sheng)吗(ma)？(？)<(<)/(/)p(p)>(>)<(<)p(p)>(>)5(5)月(yue)1(1)6(6)日(ri)，(，)大(da)家(jia)人(ren)寿(shou)2(2)0(0)2(2)3(3)星(xing)河(he)战(zhan)略(lve)发(fa)布(bu)会(hui)在(zai)京(jing)举(ju)行(xing)，(，)作(zuo)为(wei)业(ye)内(nei)首(shou)批(pi)试(shi)水(shui)独(du)代(dai)模(mo)式(shi)的(de)险(xian)企(qi)，(，)大(da)家(jia)人(ren)寿(shou)宣(xuan)布(bu)面(mian)向(xiang)社(she)会(hui)招(zhao)募(mu)高(gao)素(su)质(zhi)人(ren)才(cai)，(，)拟(ni)联(lian)合(he)多(duo)方(fang)专(zhuan)业(ye)机(ji)构(gou)培(pei)养(yang)具(ju)有(you)“(“)专(zhuan)业(ye)化(hua)、(、)职(zhi)业(ye)化(hua)、(、)数(shu)字(zi)化(hua)”(”)特(te)征(zheng)的(de)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)所(suo)谓(wei)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)，(，)是(shi)指(zhi)与(yu)保(bao)险(xian)公(gong)司(si)直(zhi)接(jie)签(qian)订(ding)委(wei)托(tuo)代(dai)理(li)合(he)同(tong)，(，)自(zi)主(zhu)独(du)立(li)开(kai)展(zhan)保(bao)险(xian)销(xiao)售(shou)的(de)保(bao)险(xian)销(xiao)售(shou)从(cong)业(ye)人(ren)员(yuan)。(。)独(du)立(li)代(dai)理(li)人(ren)模(mo)式(shi)改(gai)变(bian)了(le)传(chuan)统(tong)的(de)保(bao)险(xian)销(xiao)售(shou)模(mo)式(shi)，(，)将(jiang)更(geng)多(duo)激(ji)励(li)直(zhi)接(jie)给(gei)到(dao)一(yi)线(xian)保(bao)险(xian)销(xiao)售(shou)人(ren)员(yuan)，(，)有(you)助(zhu)于(yu)提(ti)升(sheng)保(bao)险(xian)服(fu)务(wu)，(，)促(cu)进(jin)保(bao)险(xian)行(xing)业(ye)规(gui)范(fan)健(jian)康(kang)发(fa)展(zhan)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)大(da)家(jia)人(ren)寿(shou)总(zong)经(jing)理(li)郁(yu)华(hua)表(biao)示(shi)，(，)大(da)家(jia)人(ren)寿(shou)探(tan)索(suo)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)模(mo)式(shi)以(yi)来(lai)，(，)在(zai)严(yan)格(ge)选(xuan)材(cai)的(de)基(ji)础(chu)上(shang)，(，)大(da)家(jia)人(ren)寿(shou)通(tong)过(guo)标(biao)准(zhun)化(hua)、(、)系(xi)统(tong)化(hua)、(、)场(chang)景(jing)化(hua)的(de)培(pei)训(xun)体(ti)系(xi)，(，)让(rang)保(bao)险(xian)独(du)立(li)代(dai)理(li)人(ren)真(zhen)正(zheng)理(li)解(jie)独(du)立(li)代(dai)理(li)人(ren)模(mo)式(shi)，(，)把(ba)保(bao)险(xian)营(ying)销(xiao)作(zuo)为(wei)一(yi)项(xiang)终(zhong)身(shen)事(shi)业(ye)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)据(ju)了(le)解(jie)，(，)星(xing)河(he)独(du)立(li)代(dai)理(li)人(ren)未(wei)来(lai)可(ke)参(can)与(yu)“(“)三(san)年(nian)六(liu)证(zheng)”(”)专(zhuan)业(ye)认(ren)证(zheng)培(pei)养(yang)计(ji)划(hua)，(，)包(bao)括(kuo)健(jian)康(kang)财(cai)富(fu)规(gui)划(hua)师(shi)、(、)退(tui)休(xiu)养(yang)老(lao)规(gui)划(hua)师(shi)、(、)家(jia)庭(ting)财(cai)务(wu)安(an)全(quan)规(gui)划(hua)师(shi)、(、)私(si)人(ren)财(cai)富(fu)管(guan)理(li)师(shi)、(、)金(jin)融(rong)资(zi)产(chan)管(guan)理(li)师(shi)以(yi)及(ji)国(guo)际(ji)信(xin)托(tuo)管(guan)理(li)证(zheng)书(shu)等(deng)6(6)项(xiang)专(zhuan)业(ye)认(ren)证(zheng)，(，)使(shi)优(you)质(zhi)保(bao)险(xian)销(xiao)售(shou)人(ren)员(yuan)成(cheng)为(wei)可(ke)提(ti)供(gong)全(quan)生(sheng)命(ming)周(zhou)期(qi)风(feng)险(xian)管(guan)理(li)、(、)健(jian)康(kang)养(yang)老(lao)及(ji)跨(kua)周(zhou)期(qi)财(cai)富(fu)管(guan)理(li)服(fu)务(wu)的(de)保(bao)险(xian)专(zhuan)业(ye)人(ren)才(cai)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)近(jin)年(nian)来(lai)，(，)保(bao)险(xian)代(dai)理(li)人(ren)规(gui)模(mo)不(bu)断(duan)下(xia)行(xing)，(，)寿(shou)险(xian)个(ge)险(xian)渠(qu)道(dao)转(zhuan)型(xing)已(yi)进(jin)入(ru)深(shen)度(du)调(tiao)整(zheng)期(qi)。(。)根(gen)据(ju)银(yin)保(bao)监(jian)会(hui)发(fa)布(bu)的(de)《(《)关(guan)于(yu)2(2)0(0)2(2)2(2)年(nian)上(shang)半(ban)年(nian)保(bao)险(xian)公(gong)司(si)销(xiao)售(shou)从(cong)业(ye)人(ren)员(yuan)执(zhi)业(ye)登(deng)记(ji)情(qing)况(kuang)的(de)通(tong)报(bao)》(》)，(，)截(jie)至(zhi)当(dang)年(nian)上(shang)半(ban)年(nian)，(，)人(ren)身(shen)险(xian)公(gong)司(si)执(zhi)业(ye)登(deng)记(ji)销(xiao)售(shou)人(ren)员(yuan)4(4)0(0)1(1).(.)4(4)万(wan)人(ren)，(，)较(jiao)2(2)0(0)1(1)9(9)年(nian)底(di)减(jian)少(shao)3(3)9(9)0(0)万(wan)人(ren)。(。)推(tui)动(dong)寿(shou)险(xian)代(dai)理(li)人(ren)转(zhuan)型(xing)已(yi)成(cheng)为(wei)行(xing)业(ye)不(bu)宣(xuan)的(de)秘(mi)密(mi)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)此(ci)外(wai)，(，)随(sui)着(zhe)我(wo)国(guo)人(ren)口(kou)红(hong)利(li)递(di)减(jian)、(、)保(bao)险(xian)潜(qian)在(zai)客(ke)户(hu)对(dui)代(dai)理(li)人(ren)专(zhuan)业(ye)性(xing)要(yao)求(qiu)提(ti)高(gao)等(deng)因(yin)素(su)叠(die)加(jia)下(xia)，(，)寿(shou)险(xian)市(shi)场(chang)增(zeng)速(su)不(bu)断(duan)放(fang)缓(huan)，(，)国(guo)内(nei)代(dai)理(li)人(ren)开(kai)始(shi)由(you)“(“)量(liang)”(”)到(dao)“(“)质(zhi)”(”)转(zhuan)型(xing)，(，)队(dui)伍(wu)日(ri)益(yi)年(nian)轻(qing)化(hua)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)2(2)0(0)2(2)3(3)年(nian)一(yi)季(ji)度(du)，(，)大(da)家(jia)人(ren)寿(shou)个(ge)险(xian)渠(qu)道(dao)实(shi)现(xian)期(qi)缴(jiao)保(bao)费(fei)5(5).(.)7(7)亿(yi)元(yuan)，(，)超(chao)过(guo)2(2)0(0)2(2)2(2)年(nian)全(quan)年(nian)数(shu)据(ju)。(。)一(yi)季(ji)度(du)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)人(ren)均(jun)产(chan)能(neng)1(1)0(0).(.)3(3)3(3)万(wan)元(yuan)/(/)月(yue)，(，)同(tong)比(bi)2(2)0(0)2(2)2(2)年(nian)一(yi)季(ji)度(du)增(zeng)长(chang)8(8)4(4)%(%)，(，)显(xian)著(zhu)高(gao)于(yu)行(xing)业(ye)平(ping)均(jun)水(shui)平(ping)。(。)2(2)0(0)2(2)2(2)年(nian)大(da)家(jia)人(ren)寿(shou)个(ge)险(xian)渠(qu)道(dao)初(chu)步(bu)跑(pao)通(tong)独(du)立(li)代(dai)理(li)人(ren)模(mo)式(shi)，(，)全(quan)年(nian)新(xin)单(dan)期(qi)交(jiao)保(bao)费(fei)5(5).(.)6(6)亿(yi)元(yuan)，(，)保(bao)费(fei)实(shi)现(xian)翻(fan)倍(bei)增(zeng)长(chang)，(，)独(du)立(li)代(dai)理(li)人(ren)月(yue)人(ren)均(jun)产(chan)能(neng)近(jin)3(3)万(wan)元(yuan)，(，)月(yue)人(ren)均(jun)收(shou)入(ru)1(1).(.)1(1)万(wan)元(yuan)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)2(2)0(0)2(2)0(0)年(nian)1(1)2(2)月(yue)2(2)3(3)日(ri)，(，)《(《)关(guan)于(yu)发(fa)展(zhan)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)有(you)关(guan)事(shi)项(xiang)的(de)通(tong)知(zhi)》(》)出(chu)台(tai)，(，)并(bing)明(ming)确(que)了(le)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)的(de)概(gai)念(nian)、(、)定(ding)位(wei)、(、)资(zi)格(ge)条(tiao)件(jian)等(deng)，(，)这(zhe)一(yi)模(mo)式(shi)正(zheng)式(shi)实(shi)施(shi)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)值(zhi)得(de)注(zhu)意(yi)的(de)是(shi)，(，)2(2)年(nian)多(duo)来(lai)，(，)保(bao)险(xian)市(shi)场(chang)中(zhong)真(zhen)正(zheng)实(shi)施(shi)独(du)立(li)个(ge)人(ren)保(bao)险(xian)代(dai)理(li)人(ren)改(gai)革(ge)的(de)险(xian)企(qi)较(jiao)少(shao)，(，)大(da)多(duo)数(shu)保(bao)险(xian)主(zhu)体(ti)仍(reng)处(chu)于(yu)观(guan)望(wang)状(zhuang)态(tai)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)波(bo)士(shi)顿(dun)咨(zi)询(xun)公(gong)司(si)全(quan)球(qiu)联(lian)合(he)总(zong)裁(cai)陈(chen)蕾(lei)表(biao)示(shi)，(，)在(zai)代(dai)理(li)人(ren)队(dui)伍(wu)的(de)高(gao)质(zhi)量(liang)转(zhuan)型(xing)上(shang)，(，)通(tong)常(chang)有(you)两(liang)种(zhong)做(zuo)法(fa)，(，)包(bao)括(kuo)新(xin)建(jian)队(dui)伍(wu)和(he)存(cun)量(liang)优(you)化(hua)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)新(xin)建(jian)队(dui)伍(wu)，(，)就(jiu)是(shi)跳(tiao)出(chu)当(dang)前(qian)模(mo)式(shi)，(，)搭(da)建(jian)一(yi)支(zhi)全(quan)新(xin)的(de)代(dai)理(li)人(ren)队(dui)伍(wu)，(，)与(yu)原(yuan)有(you)队(dui)伍(wu)进(jin)行(xing)差(cha)异(yi)化(hua)定(ding)位(wei)，(，)并(bing)在(zai)管(guan)理(li)上(shang)进(jin)行(xing)区(qu)隔(ge)，(，)在(zai)新(xin)队(dui)伍(wu)的(de)招(zhao)募(mu)、(、)培(pei)训(xun)及(ji)激(ji)励(li)等(deng)方(fang)方(fang)面(mian)面(mian)设(she)定(ding)差(cha)异(yi)化(hua)的(de)标(biao)准(zhun)和(he)管(guan)理(li)办(ban)法(fa)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)存(cun)量(liang)优(you)化(hua)则(ze)是(shi)不(bu)新(xin)设(she)队(dui)伍(wu)，(，)通(tong)过(guo)优(you)化(hua)培(pei)训(xun)与(yu)激(ji)励(li)考(kao)核(he)机(ji)制(zhi)等(deng)方(fang)式(shi)，(，)帮(bang)助(zhu)现(xian)有(you)队(dui)伍(wu)进(jin)行(xing)能(neng)力(li)提(ti)升(sheng)，(，)并(bing)逐(zhu)步(bu)淘(tao)汰(tai)掉(diao)不(bu)合(he)格(ge)的(de)代(dai)理(li)人(ren)。(。)同(tong)时(shi)在(zai)招(zhao)募(mu)标(biao)准(zhun)上(shang)适(shi)当(dang)调(tiao)整(zheng)，(，)进(jin)行(xing)人(ren)才(cai)迭(die)代(dai)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)从(cong)优(you)势(shi)来(lai)看(kan)，(，)新(xin)建(jian)队(dui)伍(wu)与(yu)原(yuan)有(you)队(dui)伍(wu)有(you)效(xiao)区(qu)隔(ge)，(，)可(ke)对(dui)新(xin)代(dai)理(li)人(ren)进(jin)行(xing)更(geng)专(zhuan)业(ye)的(de)选(xuan)拔(ba)与(yu)培(pei)育(yu)，(，)从(cong)一(yi)开(kai)始(shi)即(ji)养(yang)成(cheng)良(liang)好(hao)的(de)销(xiao)售(shou)习(xi)惯(guan)，(，)新(xin)队(dui)伍(wu)可(ke)通(tong)过(guo)高(gao)招(zhao)募(mu)标(biao)准(zhun)保(bao)持(chi)高(gao)人(ren)才(cai)密(mi)度(du)，(，)便(bian)于(yu)后(hou)期(qi)以(yi)“(“)人(ren)才(cai)吸(xi)引(yin)人(ren)才(cai)”(”)，(，)进(jin)行(xing)队(dui)伍(wu)扩(kuo)张(zhang)，(，)有(you)利(li)于(yu)在(zai)考(kao)核(he)、(、)晋(jin)升(sheng)与(yu)考(kao)核(he)机(ji)制(zhi)上(shang)进(jin)行(xing)更(geng)大(da)程(cheng)度(du)的(de)创(chuang)新(xin)。(。)但(dan)劣(lie)势(shi)也(ye)比(bi)较(jiao)明(ming)显(xian)：(：)新(xin)建(jian)队(dui)伍(wu)投(tou)入(ru)巨(ju)大(da)，(，)见(jian)效(xiao)时(shi)间(jian)长(chang)，(，)需(xu)长(chang)期(qi)的(de)耐(nai)心(xin)和(he)持(chi)续(xu)投(tou)入(ru)的(de)决(jue)心(xin)，(，)高(gao)质(zhi)量(liang)人(ren)才(cai)的(de)稀(xi)缺(que)性(xing)，(，)通(tong)常(chang)人(ren)数(shu)规(gui)模(mo)增(zeng)长(chang)较(jiao)慢(man)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)存(cun)量(liang)优(you)化(hua)模(mo)式(shi)的(de)优(you)势(shi)则(ze)体(ti)现(xian)为(wei)有(you)利(li)于(yu)险(xian)企(qi)实(shi)现(xian)平(ping)稳(wen)过(guo)渡(du)转(zhuan)型(xing)，(，)相(xiang)比(bi)新(xin)建(jian)队(dui)伍(wu)投(tou)入(ru)较(jiao)小(xiao)，(，)且(qie)能(neng)较(jiao)快(kuai)见(jian)到(dao)转(zhuan)型(xing)成(cheng)果(guo)，(，)但(dan)从(cong)劣(lie)势(shi)来(lai)看(kan)，(，)难(nan)以(yi)在(zai)模(mo)式(shi)上(shang)进(jin)行(xing)较(jiao)大(da)程(cheng)度(du)的(de)创(chuang)新(xin)。(。)同(tong)时(shi)，(，)新(xin)旧(jiu)代(dai)理(li)人(ren)没(mei)有(you)完(wan)全(quan)区(qu)隔(ge)，(，)前(qian)期(qi)队(dui)伍(wu)融(rong)合(he)面(mian)临(lin)挑(tiao)战(zhan)，(，)新(xin)代(dai)理(li)人(ren)可(ke)能(neng)受(shou)到(dao)过(guo)去(qu)不(bu)好(hao)的(de)销(xiao)售(shou)习(xi)惯(guan)影(ying)响(xiang)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)以(yi)日(ri)本(ben)为(wei)例(li)，(，)在(zai)2(2)0(0)世(shi)纪(ji)7(7)0(0)~(~)8(8)0(0)年(nian)代(dai)的(de)1(1)5(5)年(nian)间(jian)，(，)通(tong)过(guo)持(chi)续(xu)的(de)改(gai)革(ge)，(，)促(cu)进(jin)代(dai)理(li)人(ren)队(dui)伍(wu)转(zhuan)型(xing)与(yu)素(su)质(zhi)提(ti)升(sheng)，(，)逐(zhu)步(bu)解(jie)决(jue)粗(cu)放(fang)增(zeng)员(yuan)带(dai)来(lai)的(de)问(wen)题(ti)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)“(“)从(cong)日(ri)本(ben)的(de)情(qing)况(kuang)来(lai)看(kan)，(，)相(xiang)比(bi)于(yu)存(cun)量(liang)优(you)化(hua)，(，)新(xin)建(jian)团(tuan)队(dui)的(de)代(dai)理(li)人(ren)具(ju)备(bei)更(geng)高(gao)专(zhuan)业(ye)性(xing)，(，)在(zai)产(chan)能(neng)上(shang)和(he)留(liu)存(cun)上(shang)都(dou)优(you)于(yu)传(chuan)统(tong)队(dui)伍(wu)。(。)在(zai)日(ri)本(ben)市(shi)场(chang)中(zhong)，(，)以(yi)新(xin)建(jian)队(dui)伍(wu)为(wei)主(zhu)的(de)公(gong)司(si)在(zai)产(chan)能(neng)上(shang)远(yuan)远(yuan)高(gao)于(yu)以(yi)队(dui)伍(wu)存(cun)量(liang)优(you)化(hua)为(wei)主(zhu)的(de)公(gong)司(si)。(。)同(tong)时(shi)，(，)新(xin)建(jian)队(dui)伍(wu)在(zai)代(dai)理(li)人(ren)留(liu)存(cun)上(shang)也(ye)要(yao)高(gao)于(yu)存(cun)量(liang)优(you)化(hua)的(de)队(dui)伍(wu)。(。)”(”)陈(chen)蕾(lei)表(biao)示(shi)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)波(bo)士(shi)顿(dun)咨(zi)询(xun)公(gong)司(si)认(ren)为(wei)，(，)无(wu)论(lun)是(shi)新(xin)建(jian)队(dui)伍(wu)或(huo)是(shi)存(cun)量(liang)优(you)化(hua)，(，)实(shi)现(xian)代(dai)理(li)人(ren)高(gao)质(zhi)量(liang)转(zhuan)型(xing)，(，)需(xu)要(yao)险(xian)企(qi)在(zai)团(tuan)队(dui)招(zhao)募(mu)、(、)培(pei)训(xun)与(yu)激(ji)励(li)体(ti)系(xi)搭(da)建(jian)以(yi)及(ji)综(zong)合(he)金(jin)融(rong)实(shi)力(li)培(pei)养(yang)上(shang)作(zuo)出(chu)改(gai)变(bian)。(。)<(<)/(/)p(p)>(>)<(<)p(p)>(>)责(ze)任(ren)编(bian)辑(ji)：(：)周(zhou)唯(wei)<(<)/(/)p(p)>(>)

　　　　就以这本很丑的数学课本为例，插画都是需要付费定制的，出版社提前计算出了一笔插画预算，相关编辑就在这个预算下找到了他能找到的最大牌的画家工作室。

　　　　26haoxiawu，julingyiwangyoujiuhuatifabulehaiziyoueryuandedubentupian，tongyangyinfahenduowangyouguanzhu。wangyoufadetupianzhongxianshi，zhebenmingwei《liuhanla》dehuibenzhong，lianggenanshengshuangshoubaozhenvshengdeshoubi，shenchushetoutianzhe。七　　　北京交通广播《1039新闻早报》节目特邀北京市青少年法律与心理咨询服务中心主任宗春山、首都师范大学副教授陈苗苗、中国教育科学研究院研究员储朝晖，聚焦热点，一起来探讨引发热议的教材插图。

　　　　因为这种图不是存在一两个地方，在教材的好多个地方都有这种图，确实对这个年龄段的孩子来说可能存在着不良的影响。所以我认为比较妥当的措施还是整体的替换现有的教材，因为其他的方法可能修修补补解决不了这个问题。

　　　　kenengtupiandetigongfangrenweizhejiushiyizhongfengge，danruguozhegefenggeshihendanyide，dajiadougandaocunzaiwenti，nameshishishangtajiushiyigezhiliangwenti，danshizaixiangguandezhiliangjiancehuanjiequemeiyoubazhegewentitichulai。tongshi，yinweijiaocaizhezhongchahuayebushiduanshijiancunzaide，shiyigehenchangshijiande，suoyikenengzaigegehuanjiedouhushilezheyangyixiezhiliangdewenti。一　　　很多家长担心，这样的插图会不会影响到身处成长期的孩子的审美。不过，也有网友表示，家长的担心是多余的，插图只是起到点缀作用，让孩子在阅读课本时不那么单调，只要内容没问题就行了。

　　　　公开资料显示，绘本由江苏凤凰少年儿童出版社出版，系《东方娃娃》原创绘本系列中的一本科学图画书，旨在从孩子的视角来发问和作答，解答人体流汗的相关知识。☆玉龙☆　(　)　(　)现(xian)在(zai)的(de)孩(hai)子(zi)们(men)看(kan)绘(hui)本(ben)看(kan)漫(man)画(hua)的(de)越(yue)来(lai)越(yue)多(duo)，(，)尤(you)其(qi)受(shou)日(ri)本(ben)韩(han)国(guo)的(de)漫(man)画(hua)的(de)影(ying)响(xiang)，(，)我(wo)在(zai)想(xiang)制(zhi)作(zuo)插(cha)图(tu)的(de)人(ren)是(shi)不(bu)是(shi)也(ye)是(shi)在(zai)追(zhui)着(zhe)孩(hai)子(zi)们(men)的(de)这(zhe)种(zhong)审(shen)美(mei)或(huo)者(zhe)喜(xi)好(hao)走(zou)，(，)具(ju)体(ti)我(wo)不(bu)知(zhi)道(dao)。(。)另(ling)外(wai)，(，)这(zhe)样(yang)的(de)插(cha)图(tu)是(shi)不(bu)是(shi)会(hui)对(dui)青(qing)少(shao)年(nian)有(you)什(shen)么(me)影(ying)响(xiang)，(，)现(xian)在(zai)也(ye)不(bu)好(hao)说(shuo)。(。)

（来源：吕显祖）