Facing the future, the insurance industry is a sunrise industry, and its development stands at a new historical starting point, with great development potential and space. In developed countries, the insurance industry has penetrated into all walks of life of the economy, all fields of society and all aspects of people's lives. In a certain sense, the degree of modernization of insurance industry is a sign to measure the development level of market economy in a country and region, and the degree of development of insurance industry is a sign to measure social progress and harmony. The State Council recently promulgated "Several Opinions of the State Council on the Reform and Development of Insurance Industry" (referred to as "National Ten Articles"), which clearly pointed out the guiding ideology, objectives, tasks and policy measures for the reform and development of insurance industry in the coming period. The promulgation of "National Ten Articles" is a sudden development opportunity for the insurance industry. Through in-depth study, I summed up the following experiences: 1. Deeply understand the essence of the "National Ten Articles". The "National Ten Articles" pointed out that the overall goal of the reform and development of the insurance industry is to build a modern insurance industry with perfect market system, extensive services, standardized business integrity, sufficient solvency, strong comprehensive competitiveness, and unified development speed, quality and efficiency. Around this goal, the "National Ten Articles" defined the main tasks of the insurance industry: broadening the insurance service field, actively developing property insurance, life insurance, reinsurance and insurance intermediary markets, and improving the insurance market system. The promulgation of "National Ten Articles" is a major event in China's insurance industry and a milestone in the history of insurance development, which has great practical and far-reaching historical significance. 2006 will also be an extraordinary year in the history of insurance, and the insurance industry will make a great leap. Two, people-oriented, vigorously develop life insurance. The "National Ten Articles" pointed out: "To adapt to the new situation of perfecting the socialist market economic system and building a new socialist countryside, we will vigorously develop personal insurance services such as commercial endowment insurance and health insurance to meet the insurance protection needs of urban and rural people." China began to implement the one-child system in cities and towns in an all-round way in 1978, which made the modern family structure mostly "422" and "421",and the pressure of providing for the aged was outstanding. Buying commercial old-age insurance has gradually become an important financial way to realize the "old-age security, old-age security and independent pension" for family members. Taikang Life Insurance is people-oriented, and the term life insurance, mutual dividend insurance and medical critical illness insurance introduced by the company are all favorable choices for the people. Third, expand the field of life insurance and diversify its business. The "National Ten Articles" put forward "coordinating the development of urban and rural commercial endowment insurance and health insurance, and improving the multi-level social security system". By coordinating the development of urban and rural commercial endowment insurance and health insurance, and vigorously encouraging and supporting qualified enterprises to actively develop individual and group endowment insurance services, the life insurance industry has broadened its development channels. The four business lines of individual insurance, group insurance and bank insurance go hand in hand, and towns and rural areas, individuals and groups develop together. Fourth, integrity construction and service innovation. In addition to strengthening business development, the "National Ten Articles" also pointed out that "promoting independent innovation and improving service level; Accelerate the construction of insurance credit system and cultivate insurance credit culture. At present, the products of domestic insurance companies are basically the same or similar, and the main difference lies in the service. It is necessary to establish the service characteristics of enterprises themselves and stand on the world with their own characteristics. The brand positioning of Xinhua Life Insurance is the concentration and superposition of customer orientation, product positioning and service positioning. With professional integrity as the purpose, modern science and technology as the tool, and the "New Life Plaza" combining reality and reality as the platform, we provided "World War I" service, strengthened the construction of education and training system, and always maintained the professional service quality and enthusiastic service spirit of Xinhua Life Insurance, and established a corporate image of stressing credit, valuing reputation and caring for customers, which won a good reputation. Five, strengthen and improve supervision, prevent and resolve risks. The "National Ten Articles" points out that risk prevention should be regarded as the lifeline of the healthy development of the insurance industry, and the modern insurance supervision system based on solvency, corporate governance structure and market behavior should be continuously improved. The company is engaged in life insurance business, emphasizing the specialization, refinement and depth of life insurance business, focusing on improving professional management ability, shaping professional brands and providing professional services. Since its establishment, Zhongzhi has always adhered to the development path of "specialization, standardization and internationalization" and operated steadily. In the process of operation, the operation shall be carried out in strict accordance with the provisions of ISO900 1 Quality Management System, Head Office/Branch and CIRC. Make it bigger and stronger while doing the details. Sixth, improve laws, regulations and policies to create a good development environment. On the basis of the relevant regulations of the Head Office/branches, branches further improve the mechanism, standardize the rules and regulations, give employees rules to follow, put an end to laziness, slackness and slowness, implement efficient work, and improve employees' execution. On the basis of strengthening system management, strengthen the cultivation of corporate culture. Corporate culture is the soul of a company and a symbol of enterprise spirit. Now the key to competition is brand, the core of brand is characteristic, and the guarantee of characteristic is culture. Creating wealth, repaying society, sharing success and self-achievement are the corporate cultures that Xinhua Life holds in high esteem. Under the leadership of the General Manager's Office of Zhongzhi Company, we advocate the enterprise management concept of "one family, one person at home": internally, we should establish the enterprise fashion of "innovation, dedication, sharing and fairness", the company is like our home, and every employee of the company is a direct member of the whole Taikang family; Externally, we are from Xinhua, advocating a healthy, happy and happy modern outlook on life and family. Through the in-depth study of the spirit of the "National Ten Articles" document, it is more clear that the rapid growth of insurance business, the continuous expansion of service fields, the increasingly perfect market system, the gradual improvement of laws and regulations, and the effective prevention of risks have played an important role in promoting reform, ensuring economy, stabilizing society and benefiting human development. While developing and expanding, high standards and standardization require management, improve the ability and level of risk prevention, and make contributions to the prosperity and development of the insurance market and the construction of a harmonious socialist society.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.