Years, xx insurance xx company in the province and city under the correct leadership of the company, relying on the unremitting efforts of all the staff of our company, the company's business has made breakthrough progress, the first in the province to break through the ten million yuan mark of premium income. This year, our company completed two months ahead of schedule the annual marketing tasks issued by the provincial company, the work of the healthy and smooth development. The following combines my specific management work, talk about the achievements and shortcomings of the year.
One, the work of thought
Actively implement the provincial and municipal companies on the development of a series of important instructions, advancing with the times, hard work, pragmatic and effective, the courage to strive for the first class, and lead the ministries and staff closely around the "based on the reform, accelerate the development of sincere service, improve the efficiency of the" center to further change the concept of reform and innovation, in the face of increasing competition, and the reform of innovation, the company has been the most successful in the past year. In the face of the increasingly competitive Linyi insurance market, strengthen the core competitiveness, diversified operations, through the efforts and hard work, the company has maintained a better development trend, for the continued development of the xx insurance company, and made its due contribution.
All aspects of strengthening learning, and strive to improve their own business quality level and management level. As a leading cadres, shouldering the higher leadership and all the staff given the important responsibility and mission, the company's business guidelines and policies need me to implement. Therefore, I am very much this information belongs to the secret resource network strictly prohibit copying plagiarism focus on the study of insurance theory and management ability training. Pay attention to the scientific method to guide their work, standardize their words and deeds, establish a strong sense of responsibility and sense of enterprise, and constantly improve their business ability and management ability.
Continuously improve the overall quality level of the company's business personnel team. Over the past year, I have been cultivating the business quality of the exhibition staff as an important element of team building to grasp, and together with the manager's office to implement targeted training programs to strengthen the leadership team and staff team building.
Two, business management
"There are no rules." To make a steady development of a company, it is necessary to develop norms to strengthen management. Management is a kind of input, this input will certainly produce benefits. I am in charge of the business work, more need to management to benefit. Only by constantly improving various management systems and methods, and really implement them into action, in order to achieve results and benefits. Business management I mainly do the following work:
1, according to the city company issued to our annual sales task, the development of each department of the week, month, quarter, year sales plan. When making plans in line with the spirit of realism, according to the characteristics of each type of insurance, customer characteristics, departmental situation to determine the reasonable and achievable goals of each department. After the goals are set, I will ensure the successful completion of the goals and plans of each department and office by strengthening the management and monitoring of the process under the policy of "implementing and supervising everything".
2, as the manager in charge of the business I pay great attention to the team building of the various departments and offices. Has been focusing on the department manager and department members of the ideological and business quality education. Over the past year, I have repeatedly organized situation mobilization, business seminars, business training activities, organizations to learn knowledge, experience, and improve the overall quality of staff. The training focused on learning the knowledge of insurance theory and business development skills, and emphasized the cultivation of team spirit. Learning promotes the continuous improvement of each team's own quality and lays a solid foundation for the company's sustainable and stable development.
3, to help the manager's office to comprehensively promote the innovation of the compensation system, and constantly consolidate the company's basic management. The establishment of a salary system reform linked to the position and performance. This year, I closely around the position of clear, socialized pay, bonus performance and welfare diversification "four" target, comprehensively promote the reform of the enterprise pay system. Initially established a can be up and down, can be in and out, can fully stimulate the enthusiasm and creativity of the staff employment mechanism.
Three, the ministry responsible for the work
In addition to business management work, I also served as a marketing manager. There is only one marketer in the marketing department, and my business is mainly oriented to large customers. My major customer business is mainly for the biomass company. According to the characteristics of the company's fleet, in the original vehicle insurance on the basis of the city's first opened for the operation of this information belongs to the secret resource network strictly prohibit the copying of plagiarism truck cargo insurance. The start of cargo insurance not only for customers to provide security and increase the company's premium income, it can be said that two birds with one stone. After unremitting efforts, my department completed the annual premium income of xxxx yuan, of which xxxx yuan of auto insurance premiums, non-auto insurance business xxxx yuan, the full-term claims rate for. Become an important guarantee of the company's development.
Four, the shortcomings of the work
Since the work of a thousand things, coupled with the management of more business, sometimes inevitably busy. For example, sometimes the service is not timely, statistical data deviation. Sometimes there is impatience in the work, sometimes work in a hurry, but affect the progress and quality of work; to deal with some of the work of the relationship is not yet comfortable.
In short, over the past year, I am disciplined, self-restraint and dedication, with their own leading role in the ideological awareness of workers, action with a strict system of norms, under my leadership, the company's staff to continue to develop the construction of their own responsibility to "honesty first, sound management, value for money, service to the community," for the business purposes, determined to reform, innovation, and continuous improvement. The company's staff, led by me, is committed to the continuous development and construction of "honesty first, sound management, value for the community," for the business purpose, reform, innovation, standardized operation, and achieved great results.
The new year is coming, the insurance market competition will be more intense, the company wants to continue to maintain a better development trend, we must further emancipate the mind, update the concept of breakthroughs, and gradually increase marketing efforts. In the new year I will be full of passion, with hundredfold confidence, to meet the challenges of the future, so that the work of this job to a new level. I believe that, under the correct leadership of the parent company, in the *** with the efforts of all employees, up and down, hard work, the same boat ***, and work hard, our company will be able to create a more brilliant performance.
The year 2004 is the first year after PICC's shareholding reform and listing. This year, our company is facing the pressure to overcome the difficulties of the year, is the face of new changes, the implementation of the new mechanism, the implementation of the new provisions of the first year. Under the correct leadership of the party committee and general manager office of the city branch, our company has achieved certain business results with the hard work of all the staff.
In 2004, our company collected gross premiums of **** million yuan, an increase of *% year-on-year, and earned net premiums of *** million yuan, net profit of *** million yuan, and a claim rate of **%. Better fulfill the task indicators issued by the parent company.
One, around the goal, the implementation of the plan, grasp the business work
1, the implementation of the plan early, the measures are real
Early in 2004, our manager's office for the ** regional insurance market changes and the 2003 annual premium income situation for a comprehensive analysis of the parent company's targets for the decomposition of the company's various indicators, the plan is broken down into a monthly plan, monthly We have broken down the plan into monthly plans, taking stock and implementing them on a monthly basis, which effectively ensures the timely monitoring and adjustment of the implementation of the plan.
When formulating the annual tasks, we fully considered the optimization of the insurance structure and the quality of business underwriting, further clarified the assessment methods, and took the comprehensive claims rate as an important data for the year-end evaluation.
2, seize the auto insurance market, increase the expansion of new projects, new projects, and resolutely discard the "garbage premiums"
This year, we put a solid auto insurance and corporate property insurance, expanding the market for new cars and new projects as the top priority of the business work, in the grasp of the number of the business on the basis of a resolute discard repeated insurance repeatedly. Once there is off report, immediately announced in the whole division, other personnel can participate in the competition, thus consolidating the original business, greatly reducing the loss of business, to ensure that the main types of insurance market share share. Secondly, we establish contact networks with relevant local government departments to learn in advance about new projects and new engineering directories, and establish friendly cooperation with traffic police departments and car sellers, asking them to help us collect and provide new car information, so that we can have a clear idea of potential new business and new markets, fully grasp the market initiative, and fill in the unstable elements of the business brought about by competition and other objective reasons. Thirdly, we do not give up the lost business. We not only made the 2003 business ledger clear, but also asked the business internal affairs to list the details of the business lost in the process of 2003 and decomposed them to the relevant departments, requesting to increase public relations efforts to find out the reasons for de-insurance, which is indeed a discontinued enterprise, the resale of end-of-life vehicles by the operator to provide accurate proof; is a loss of the competition, we will never passively withdraw but take the initiative to attack, go to the door to listen to the views and suggestions to improve the service means, one by one. Suggestions, improve the means of service, break through one by one, and comprehensively strive for reflux. Fourth, the size of the same grasp, can be guaranteed. Because of the enterprise restructuring, conversion, capital and other factors on the formation of a larger impact on the enterprise property insurance, coupled with competition and other factors, so that the exhibition of the difficulty and the exhibition of the cost has increased greatly. In view of these circumstances, we fully mobilize, unify the mind, form a synergy up and down, and rise to the challenge. To do the responsibility to the person, the implementation of premiums in more than 50,000 yuan of sub-managers to intervene, *** with the public relations.
3, in the competition for survival, in the competition for development.
** area of the existing 10 (China Property and Casualty Insurance, China Life, Pacific General Insurance, Pacific Life Insurance, China General Insurance, Ping An General Insurance, Ping An Life Insurance, Tian'an General Insurance, Huabang Agency, HSBC Agency) operating property insurance business and short-term health insurance business of insurance companies, marketing department, agency, and another company has been found (Dadi General Insurance) to compete for the business in the county, and ** area of the population, the enterprise size, our company faced with the competition, and the small population, the small size of the enterprise, our company faced with the competition. The small size of the enterprise, our company in the face of external competition brought about by the business pressure, remain calm and collected, and objectively face the reality of the situation to seek countermeasures, and competitors have launched a brand war, service war: First, do a good job of the main leaders of the local government. The company manager's office has repeatedly reported to the county party committee and the main leaders of the county government, highlighting how our company is to increase support for the ** local economic construction, is how to work around the local government center, our company is actively involved in the national entrepreneurship research activities, together with the county leaders to visit the individual, private economic enterprises, not only to make the county party committee and the county government's enthusiastic participation in the work of the local government to express satisfaction with the Division, but also to our company! Correctly adjusting the direction of business development, providing insurance protection to small and medium-sized enterprises and taking the initiative to serve them were recognized. The county party committee and the county government felt that PICC is sincere in serving the local government and worthy of support, trust and help, thus giving a great inclination to the work of our company. Secondly, we go deep into the old customer enterprises, hire informants and liaison officers in the customer enterprises, and snatch the top businessmen from other insurance enterprises to join our company, win the "reflux" business, and make other insurance companies' work in a passive state. Thirdly, the service is more humanized and intimate, the company's manager office members at the beginning of the year on the county's major system backbone enterprises to implement the block package, made a number of return visits, and asked them to put forward their views and suggestions on the work of the Division I. This initiative has been fully affirmed by the enterprises, who believe that the company's leaders take the initiative to go to the door is a full embodiment of the quality of PICC's services, so that the customers are more trustworthy of the Division I. Fourthly, all middle-level cadres are required to go out of the office to work as a liaison. Fourthly, all middle-level cadres are required to go out of the office, visit all small and medium-sized enterprises in person, explain the terms and conditions to all newly insured customers face to face and commit to the service projects, make constant contact with enterprises, implement zero-distance contact, and be on call to provide services in all aspects as long as the customers need them. Fifth, in accordance with the service commitments to the community and industry bans, strict internal control, claims and underwriting two major service departments as an entry point to comprehensively improve the company's overall service level.
4, decentralized business as a breakthrough, increase market share
According to ** the current stage of the source of insurance, at the beginning of the year, the manager's office after a careful analysis of the study, determined that this year, the motorcycle insurance, homeowner's insurance, students, and personal accident insurance as this year's fragmented insurance blitz, the first contact with the traffic police, the city law enforcement departments, ask them to help us act as an agent for motorcycle Insurance business; at the same time with the county board of education to get in touch with the team members many times with the deputy governor in charge of education, the director of the Board of Education to coordinate, and ultimately to obtain their trust, so that we have a breakthrough in the school insurance business.
5, to carry out labor competitions, to promote the "two insurance" business healthy growth
This year, we have been in accordance with the requirements of the parent company's competitions, and actively cooperate with the first quarter of the "years as you wish" New Year's Eve Insurance, "Happy Family", "Family Joy" and other labor competitions, and organized its own motorcycle, liability insurance, accident insurance and other surprise activities, so as to create a healthy and lively, catch up with you, unity and progress of the business development atmosphere. Especially at the end of the year in the "happy family" blitz, our company withstood the slippage of home insurance and the end of the year the source of less disadvantageous situation, a reasonable decomposition of the target, the implementation of the layers, the self-pressure, run enterprises and institutions, running personal family, a pen, a copy, and ultimately 140% of the good results of the task of the city company over the completion of the tasks assigned.
6, pay close attention to claims and disaster prevention and loss prevention quality improvement. The company started by paying close attention to the first scene of the survey rate, adhere to the truth-seeking, "rapid, timely, accurate and reasonable" principle. As long as the case is reported, no matter how big or small the accident is, no matter day or night, the company always insists on rushing to the first scene, grasping the first-hand information, strictly in accordance with the rapid compensation process, and providing customers with as much convenience as possible. First, adhere to the two-person survey, two-person loss determination, cross-case, time-limited payment, and constantly improve the quality of service; second, adhere to the 24-hour duty system, and actively participate in the construction of the "three centers", in order to further improve the level of service; third, to strengthen the assessment, increase supervision. The claims process of all kinds of problems, once verified, light criticism and education, serious treatment, never tolerate; Fourth, actively do a good job of disaster prevention and loss prevention work. Under the responsibility of the leaders in charge, the defense department took the initiative to contact with various business departments, and timely formulated a major customer disaster prevention and loss prevention work plan, summer flood safety inspection methods, winter fire and explosion prevention and safety inspection methods, always grasp in advance, intervene in advance, and actively cooperate with the relevant business departments to check and implement the implementation of the plan, and take timely measures to reduce losses and enhance the ability to prevent risks. Risk prevention ability. We have been to the security risks of ** Paper, ** Pharmaceuticals, ** Company and other key customer units to help rectify the hidden dangers, the development of disaster prevention plans, well received by the customer's praise, received a good social effect.
Two, adjust the business ideas, strengthen the sense of innovation, improve the level of efficiency
This year, our company in the grasp of the benefits of the insurance business at the same time, seriously combing the "garbage" business, in previous years, the payout rate of more than 100% of the disadvantageous types of insurance resolutely to be given up on a higher rate of payout, but there is still a little bit of profit! The insurance types with higher payout rates but still with a little profit margin are selectively underwritten. Last year, the payout rate of our agricultural and breeding insurance was as high as 106%, and we resolutely suspended the development of this type of insurance for the sake of the overall situation. Enterprise package insurance has low premiums, large coverage, high insurance amount of business risks, especially in the event of floods, theft, often resulting in a high payout rate, our company from the point of view of the benefits of the insurance coverage, underwriting conditions of the strict limitations on the scope of the insurance, underwriting conditions. While focusing on the development of the benefits of each type of insurance, we change the previous business routines, *** factory car insurance business belongs to our renewal business, the renewal time in September, but this year, a number of insurance companies eyeing this business, intervene in the competition, in an attempt to get a share of the pie, in order to ensure that nothing goes wrong, our decisive renewal in advance, so that other insurance companies were caught unawares, and solidified the development of the business. ** Paper Co., Ltd. insurance business has always been our company in the bag, renewed in November, the company manager's office knows that once the early renewal, the year will not only lose tens of thousands of dollars in premiums, but also increase the pressure on the business in the second half of the year, but in order to make up for the first half of the year due to the abandonment of the "garbage" types of insurance brought about by the gap in the business, and better adjust the business structure of the sequence. However, in order to make up for the business gap caused by the abandonment of "junk" insurance in the first half of the year, better adjust the business structure and realize more net premiums earned, we decided to renew the insurance business of the enterprise in advance. Our work is to adapt to the development of the new situation after the reform of the shareholding system to make a bold attempt to work, but also to change the mindset of the experimental ideas.
It is because of our employees are willing to take on the heavy responsibility, good at brainstorming, fully mobilize enthusiasm and creativity, so that everyone has a burden, each has the responsibility, therefore, in the strong external competition, our first half of the year, we not only did not lose any position, consolidate our property insurance market leader's position, but also to achieve a breakthrough in new business.
Three, to the new assessment methods to guide the work, standardize the operation, enhance the level of management, highlighting the focus of the business
Insurance competition is becoming increasingly fierce is an indisputable fact, coupled with the listing of the face of the new situation, the new system, the new model, the new strategy, will inevitably require us to comprehensively improve the level of management of the company, how to learn from the competition in the competition, in the competition in the leading edge, so that the development of the competition, in the competition, and move forward. How to learn to compete in the competition, in the competition in the unique style, so that in the competition in the development, in the competition to move forward. In addition to continuing to consolidate and adopt the effective methods in the past, our company has gradually set up a county-wide enterprise information network, strengthened the contact and communication with the policyholders, and upgraded the management level of the company. In the first half of the year, we introduced and adopted a scientific management system in accordance with the relevant provisions of the parent company, and introduced a series of management rules and regulations and assessment methods. In the daily management, they can seriously and strictly follow the "Financial Management Regulations", "Document Management Regulations" and underwriting related regulations of the parent company, actively and effectively carry out the work, strictly check and carefully audit. It is because of their responsible working attitude that our company has received the city company's The company has been praised by the municipal company.
This year, the company manager's office in the annual task plan, follow the parent company highlights the benefits of the first, long-term profitability assessment of business performance assessment principles, and strive to implement the scale of development to the efficiency of the development of the transformation, increased the rate of claims and cost indicators of the assessment, adhere to the low-cost development path, the rate of assessment and underwriting quality linked to the rate of assessment to break completely The old idea of "focusing only on premiums, not on quality", the implementation of a new assessment mechanism, take out half of the individual's salary as the assessment of the floating salary, so that there are prizes and penalties, so as to set up a good all staff focus on the concept of operational efficiency, to ensure the effective allocation of resources and profitability of the level of enhancement.
Four, in-depth activities to create a comprehensive external image of the enterprise
1, strengthen the ideological and political education activities. In the process of spiritual civilization construction, our company has always put the ideological education of party members and cadres at the forefront of our work, so that there is a system of learning, planning, recording and communication. We adhere to the central group led by the party organization under the daily study, this year, we have carried out the "two regulations", the Third Plenary Session of the 16th Central Committee of the Party, the Fourth Plenary Session of the spirit of the study, through the study, to further correct and improve the leadership team thinking and understanding, and enhance the political acumen.
2, the party style and clean government construction fruitful. Our company has been focusing on the construction of a good party style of government, held regular democratic life, advocating the establishment of democracy, unity, positive, upward leadership team, the implementation of the work of relatives to avoid the system, personal use of vehicles to the financial initiative to pay the cost of official hospitality to implement the "first approval, registration, and then implementation of" management system, to ensure that there is a detailed integrity desk. The company has also implemented a "first approval, registration, and then implementation" management system for official hospitality, to ensure that there is a detailed account of integrity.
3, to stabilize the workforce. 2004, the company implemented a new salary system, in the grass-roots companies caused a certain degree of unrest, our managerial staff from the perspective of the overall situation, looking for employees one by one to talk about, and made a lot of work for the company's business stable, stable development to create the conditions for the smooth development of the company.
4, and actively carry out the creation of civilized units. At the beginning of the year, our company once again won the honorary title of Jiangsu Province integrity unit, ** City civilized unit, in order to maintain the honor, our company continues to carry out in-depth construction of the soft environment and trade winds, in the TV station, the radio station made a public commitment to speak, "** Information" published the content of the commitment, and in due course, held a forum on the soft environment and trade winds supervisors to widely solicit views. And focus on publicity, we opened in the "radio and television newspaper ** special issue" on the "into the ** PICC property insurance" series of columns, and in the station waiting hall uninterrupted placement of mobile subtitle ads, "in good faith to broaden the road of enterprise development" and other newsletters by the "** Daily News", "** Branch Company seize the opportunity to publicize the annual review of vehicles, car insurance, new rates" and other news in the provincial company. The news such as "** Branch Company seizes the opportunity of vehicle review to publicize the new auto insurance rates" was exchanged on the provincial company's intranet.
V. Problems
1, the company is tired of market competition and business development, the theory of learning and business learning has been relaxed.
2, in the face of strong competitive pressure in the market, some comrades appeared to be afraid of difficulties, a small number of employees have thought inertia, lack of market development foresight, less initiative, passive more. Caused the loss of a small part of the business.
Sixth, the basic idea of the work in 2005
With the market changes and fierce competition, as far as ** is concerned, in order to firmly grasp the initiative of the market, we must strengthen the efforts to fight for the market and speed up the speed of market capture.
One is to change the mindset, actively adapt to the new management mode and exhibition mode after the shareholding reform, continue to strengthen the education of competition awareness and crisis awareness, strengthen and use data management, introduce incentive mechanisms, and fully mobilize the enthusiasm and initiative of the staff.
The second is to correctly deal with the relationship between scale and efficiency, current and long-term, bigger and stronger, strengthen the overall public relations efforts, focus on the quality of business underwriting, and select and occupy the market with the fastest speed and best quality.
Thirdly, we will continue to strengthen communication with public security, traffic police, education, health and other departments, and strive for their assistance to improve the underwriting rate of five small vehicles, school level insurance, campus party liability insurance and medical liability insurance.
Fourth, strengthen the claims service work. We will strive to increase the rate of on-site investigation, adopt humanized service, differentiated treatment, accelerate the speed of claim settlement, improve the quality of service, and improve the external business environment.
Fifth, in response to competition, pay close attention to the development of initiatives in the same industry, increase public relations efforts, take a positive and effective approach to participate in the competition, consolidate the market share of the original types of insurance, and actively expand the new business, new sources of insurance.
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