First, the working ideas
Actively implement a series of important instructions from provincial and municipal companies on the company's development, keep pace with the times, work diligently, be pragmatic and seek efficiency, strive for first-class, and lead employees in all departments to further change their concepts, reform and innovate around the center of "based on reform, accelerating development, sincerely serving and improving efficiency", and face the increasingly fierce competition in Linyi insurance market, strengthen core competitiveness and carry out diversified operations. Through hard work and struggle, the company has maintained a good development trend.
Strengthen all aspects of learning and strive to improve their professional quality and management level. As a leading cadre, I shoulder the important responsibilities and missions entrusted by the superior leaders and all employees, and the company's operating principles and policies need me to implement. Therefore, I fully believe that these materials belong to the secretary resource network, and plagiarism is strictly prohibited. We should pay attention to the study of insurance theory and the cultivation of management ability. Pay attention to guiding work with scientific methods, standardize your words and deeds, establish a strong sense of responsibility and dedication, and constantly improve your business and management capabilities.
Continuously improve the overall quality level of the company's business personnel. Over the past year, I have always regarded the cultivation of the professional quality of personnel in the exhibition industry as an important part of team building, implemented targeted training plans with the manager's office, and strengthened the construction of leading bodies and staff.
Second, enterprise management.
"Without rules, there would be no Fiona Fang". In order to make a company develop steadily, it is necessary to formulate norms and strengthen management. Management is an input, and this input will certainly produce benefits. I am in charge of business work and need to ask for benefits from management. Only by constantly improving various management systems and methods and truly putting them into action can we achieve results and see benefits. In enterprise management, I have mainly done the following work:
1. Make weekly, monthly, quarterly and annual sales plans for all departments according to the annual sales tasks assigned by the municipal company. When making plans, we should seek truth from facts and determine the reasonable and achievable goals of each office according to the characteristics of each insurance, customers and the situation of each office. After the target is determined, I will strengthen the process management and monitoring according to the principle of "everything is implemented and everything is supervised" to ensure the smooth completion of the target plan of each department and office.
As the manager in charge of business, I attach great importance to the team building of each exhibition department. Always pay attention to the ideological and professional quality education of department managers and department members. Over the past year, I have organized mobilization meetings and business seminars for many times, carried out business training activities, organized everyone to learn knowledge and seek experience, and improved the overall quality of employees. The training focuses on learning insurance theory and exhibition skills, emphasizing the cultivation of team spirit. Learning has promoted the continuous improvement of the quality of each team and laid a solid foundation for the company's sustained and stable development.
3. Help the manager's office to comprehensively promote the innovation of salary system and constantly consolidate the basic management of the company. Establish a salary system reform linked to posts and performance. This year, I comprehensively promoted the reform of enterprise salary system, focusing on the "four modernizations" of job clarity, salary socialization, bonus performance and welfare diversification. The employment mechanism has been initially established, which can fully stimulate the enthusiasm and creativity of employees.
Third, the department is responsible for the work.
In addition to business management, I also served as the manager of the first marketing department. There is only one salesman in a marketing department, and my business is mainly big customers. My major client business mainly comes from the capital company. According to the characteristics of the fleet of Shengzi Company, on the basis of the original vehicle insurance, I first established freight insurance against plagiarism of industrial trucks in the whole city. The opening of freight insurance not only provides protection for customers, but also increases the company's premium income, which really kills two birds with one stone. Through unremitting efforts, our department completed the premium income of RMB xxxx for the whole year, including RMB xxxx for auto insurance premium and RMB xxxx for non-auto insurance business, and the maturity of payout ratio is RMB. Become an important guarantee for the company's development.
Fourth, shortcomings in the work.
Due to a lot of work and many business responsibilities, sometimes it is inevitable to make mistakes in a busy schedule. For example, sometimes the service is not timely and the statistics are biased. Sometimes you are impatient in your work, and sometimes you are eager for success, which affects the progress and quality of your work; I can't handle some work relationships well.
In a word, over the past year, I have been strict with myself, self-denial and dedication, using my own leading role to improve employees' understanding in thought and strict system norms in action. Under my leadership, the company's employees take continuous development and construction as their own responsibility, take "honesty first, steady operation, value first, and serve the society" as their business purpose, and have made great achievements in reform, continuous innovation, and standardized operation.
The new year is coming, and the competition in the insurance market will be more intense. In order to maintain a good development trend, the company must further emancipate its mind, renew its ideas, break through itself and gradually increase its marketing efforts. In the new year, I will meet the challenges of the future with full passion and confidence, so that my work will reach a new level. I believe that under the correct leadership of the superior company and the joint efforts of all the staff, our company will be able to work hard with one heart and one mind to create more brilliant achievements.
2004 is the first year after the listing of PICC P&C joint-stock system reform. This year, our company is facing pressure and difficulties, which is the first year to face new changes, implement new mechanisms and implement new regulations. Under the correct leadership of the Party Committee and the General Manager's Office of the Municipal Branch, and through the hard work of all employees, our company has achieved certain operating results.
In 2004, the company's gross premium income was * * * billion yuan, up *% year-on-year, the net premium income was * * * billion yuan, and the net profit was * * billion yuan, accounting for * *% in payout ratio. The task indicators issued by the superior company have been successfully completed.
First, focus on the goal, implement the plan and pay close attention to business work.
1, the plan was implemented early and the measures were practical.
At the beginning of 2004, the manager's office of our company made a comprehensive analysis of the changes in the insurance market and the premium income in 2003, and decomposed the indicators issued by the superior company into monthly plans, which were counted and implemented every month, effectively ensuring the timely monitoring and adjustment of the implementation of the plans.
When formulating the annual task, we should fully consider the optimization of insurance structure and the quality of business underwriting, further clarify the assessment methods, and take the comprehensive payout ratio as the important data for the year-end assessment.
2. Seize the auto insurance market, increase the expansion of new projects and projects, and resolutely abandon the "garbage premium".
This year, we take stabilizing auto insurance and corporate property insurance, expanding the new car market and new projects as the top priority. On the basis of grasping the number of businesses, we resolutely abandoned the "junk" businesses that have repeatedly lost money.
First, in order to ensure the timely payment of the renewal business, we require all business departments to report the renewal business ledger on a monthly basis, and the manager's office will supervise and evaluate it, and ask to intervene in public relations in advance. Once there is any omission, it will be announced in the whole company immediately, and other personnel can participate in the competition, thus consolidating the original business, greatly reducing business losses and ensuring the market share of major insurance products. Second, establish a contact network with relevant departments of local governments, get the list of new projects and new projects in advance, establish friendly and cooperative relations with traffic police departments and automobile dealers, and ask them to help us collect and provide new car information, so as to be aware of potential new businesses and new markets, fully grasp the market initiative, and fill the unstable factors of business caused by objective reasons such as competition. Third, don't stop trading at a loss. We not only make clear the business ledger in 2003, but also ask the business background to list the business lost during the exhibition in 2003 and decompose it into relevant departments, and ask for strengthening public relations to find out the reasons for the warranty loss. If it is indeed an enterprise that stops production and resells scrapped vehicles, the agent will provide exact proof; If you lose the game, you will never quit passively, but take the initiative to attack, listen to opinions and suggestions, improve service means, break through one by one, and strive for comprehensive returns. The fourth is to grasp the size together, and protect it if you can. Because enterprise restructuring, production conversion, capital and other factors have a great impact on enterprise property insurance, coupled with competition and other factors, the difficulty and cost of exhibition industry have greatly increased. In view of these situations, we fully mobilize, unify our thinking, form a joint force from top to bottom, and face difficulties. Do the responsibility to the people, for the premium of more than 50 thousand yuan to implement the intervention of the manager in charge, * * * with public relations.
3. Survive in competition and develop in competition.
* * There are 10 insurance companies, marketing departments and agencies (China Property Insurance, China Life Insurance, Pacific Property Insurance, China Property Insurance, Ping An Property Insurance, Ping An Life Insurance Company of China, Tianan Property Insurance, Winbond Agent and HSBC Agent) engaged in property insurance business and short-term health insurance business in our county, and it is found that there are 1 company (Dadi Property Insurance) competing. Facing the operating pressure brought by external competition, our company keeps calm, objectively faces the reality and seeks countermeasures, and launches brand wars and service wars with competitors: First, do a good job in the main leadership of local governments. The company manager's office has reported to the main leaders of the county party committee and government for many times, focusing on how our company can strengthen its support for local economic construction and carry out its work around the local government center. Our company actively participated in national entrepreneurship research activities and visited individual and private economic enterprises with county leaders, which not only satisfied the county party committee and county government with our company's enthusiastic participation in local government work, but also correctly adjusted the business development direction, provided insurance protection for small and medium-sized enterprises and actively served them. Really let the county government feel that PICC P&C Company is sincerely serving the local government and is worthy of support, trust and help, thus giving great inclination to our work. The second is to go deep into old customers' enterprises, hire information officers and liaison officers in customer enterprises, join our company from other insurance companies, and strive for "return" business, which makes the work of other insurance companies passive. Third, the service is more humane and intimate. At the beginning of the year, members of the company's manager's office paid a lump sum visit to all the major system backbone enterprises in the county and asked them to put forward their opinions and suggestions on our work. This move has been fully affirmed by enterprises. They believe that the initiative of company leaders to come to the door is the full embodiment of PICC P&C insurance quality service, which makes customers trust our company more. Fourth, all middle-level cadres are required to go out of the office, all small and medium-sized enterprises must visit in person, all newly insured customers must explain the terms and promise the service items in person, keep in constant contact with enterprises, implement zero-distance contact, and provide services in all aspects as long as customers need them. Fifth, in accordance with the commitment to social services and industry bans, strict internal control, taking claims and underwriting as the starting point, and comprehensively improving the overall service level of the company.
4. Take diversification as a breakthrough to increase market share.
According to the current source protection situation of * *, after careful analysis and research, the manager's office decided to take motorcycle insurance, family property insurance, student accident insurance and personal accident insurance as sporadic insurance surprises this year. First, contact the traffic police and urban management law enforcement departments and ask them to help us handle motorcycle insurance business. At the same time, we got in touch with the county education commission, and the team members coordinated with the deputy magistrate in charge of education and the director of the education commission many times, and finally gained their trust, which made a breakthrough in our school insurance business.
5. Carry out labor competition to promote the healthy development of the cause of "two insurances".
Since the beginning of this year, according to the competition requirements of the superior company, we have actively cooperated with the labor competition activities such as "Happy New Year Insurance", "Happy Family" and "Happy Family" in the first quarter, and organized surprise activities such as motorcycle, liability insurance and accident insurance by ourselves, creating a healthy and lively business development atmosphere in which you chase after each other and forge ahead in unity. Especially in the "Happy Family" assault launched at the end of the year, our company withstood the unfavorable factors of the decline of family property insurance and the lack of insurance resources at the end of the year, rationally decomposed the objectives, implemented them layer by layer, put pressure on ourselves, ran enterprises and institutions, and ran individual families one by one, and finally exceeded the tasks assigned by the municipal company with a good score of 1.40%.
6 pay close attention to the quality of claims and disaster prevention and loss prevention. Starting from paying close attention to the investigation rate of the first scene, the company adheres to the principle of seeking truth from facts and "being prompt, timely, accurate and reasonable". As long as you receive the report, no matter the size of the accident, no matter day or night, always insist on rushing to the first site, master the first-hand information, and strictly follow the fast payment process to provide customers with the convenience they can. First, insist on double-person survey, double-person loss assessment, cross-case, and limited payment to continuously improve service quality; Second, adhere to the 24-hour duty system, actively participate in the construction of "three centers", and further improve the service level; The third is to strengthen assessment and strengthen supervision. Once all kinds of problems in the process of claim settlement are verified, those who are light will criticize and educate, and those who are heavy will be dealt with seriously and will not be tolerated; Fourth, actively do a good job in disaster prevention and loss prevention. Under the responsibility of the leaders in charge, the Security Department actively contacted various business departments, and timely formulated the work plan for disaster prevention and loss prevention for key customers, the safety inspection methods for flood control in summer and fire and explosion prevention in winter, always grasping and intervening in advance, actively checking the implementation of the plan with relevant business departments, and taking timely measures for possible problems to reduce losses and enhance the ability to prevent risks. Successively went to key customer units such as * * Paper, * * Pharmaceutical and * * Company with potential safety hazards to help rectify potential safety hazards and formulate disaster prevention plans, which were well received by customers and received good social effects.
Second, adjust business ideas, strengthen innovation awareness and improve the efficiency of the company.
This year, while doing a good job in interest-oriented insurance business, our company has carefully sorted out the "junk" business, resolutely abandoned the inferior insurance products in payout ratio that were higher than 100% in previous years, and selectively underwritten the insurance products with high profit margin in payout ratio. Last year, the agricultural insurance and aquaculture insurance of our company reached as high as 106% in payout ratio. Starting from the overall situation, our company resolutely suspends the development of this type of insurance. The enterprise package insurance has some operational risks, such as low premium, wide coverage and high insurance coverage, especially in the case of flood and theft, which often leads to high payout ratio. Proceeding from the interests, our company has strictly restricted the coverage and conditions of this type of insurance. While paying attention to the benefit development of all kinds of insurance, we have changed our previous business routine. * * * Factory's auto insurance business belongs to our renewal business, and the renewal time is September. However, this year, many insurance companies are eyeing this business, intervening in the competition and trying to share a piece of the action. In order to ensure foolproof, our company decisively renewed the insurance in advance, which made other insurance companies unprepared and stabilized the business development. * * The insurance business of Paper Products Co., Ltd. has been in our company, and the renewal was on June 5438+065438+ 10. The manager's office of the company knows that once the insurance is renewed in advance, it will not only lose tens of thousands of yuan of premiums in that year, but also increase the operating pressure in the second half of the year. However, in order to make up for the business gap caused by abandoning the "junk" insurance in the first half of the year, we decided to renew the insurance in advance, so as to better adjust the chronological business structure and realize more net premium income. Our work is a bold attempt to meet the needs of the development of the new management situation after the shareholding system reform, and it is also an experimental idea to change our thinking.
It is precisely because our employees have the courage to shoulder heavy responsibilities and are good at using their brains to fully mobilize their enthusiasm and creativity, so that everyone has a burden and everyone has a responsibility. Therefore, in the strong external competition, our company not only did not lose any position in the first half of the year, but also consolidated our leading position in the property insurance market and achieved a breakthrough in new business.
Three, with new assessment methods to guide the work, standardize the operation, improve the management level, highlight the business focus.
It is an indisputable fact that insurance competition is becoming more and more fierce. In addition, the new situation, new system, new model and new strategy behind the listing will inevitably require us to comprehensively improve the management level of the company. How to learn to compete in the competition, take the lead in the competition, and thus develop and progress in the competition. In addition to continuing to consolidate and adopt effective methods in the past, our company has gradually established a county-wide enterprise information network, strengthened contact and communication with policyholders, and improved the management level of the company. In the first half of the year, we introduced and adopted a scientific management system and issued a series of management rules and regulations and assessment methods in accordance with the relevant regulations of the superior company. In daily management, we can actively and effectively carry out our work in accordance with the financial management regulations, document management regulations and underwriting related regulations of the superior company, strictly check and carefully review. It is precisely because of their responsible working attitude that our company has won the praise of the municipal company in many inspections organized by the superior company, such as special inspection of business ledger, document management acceptance, document binding and premium receivable management.
This year, when issuing the annual task plan, the company's management department followed the performance appraisal principle of the Head Office, emphasized the benefit first and the long-term profitability assessment, made great efforts to implement the transformation from scale development to benefit development, strengthened the assessment of payout ratio and expenses, adhered to the development path of reducing costs, linked the assessment of payout ratio with the quality of underwriting, completely broke the old concept of "focusing only on premium rather than quality" and implemented a new assessment mechanism. Half of the personal salary is used as the floating salary of this assessment, so there are rewards and punishments, so as to establish the concept that all staff pay attention to operating efficiency and ensure the effective allocation of resources and the improvement of profitability.
The fourth is to carry out in-depth creation activities and comprehensively shape the external image of enterprises.
1, strengthen ideological and political education activities. In the process of spiritual civilization construction, our company always puts the ideological education of party member cadres at the top of our work, so as to make the study systematic, planned, recorded and communicated. We adhere to the daily study of party organizations led by the central government. Since the beginning of this year, we have studied the "two regulations" and the spirit of the Third Plenary Session and the Fourth Plenary Session of the 16th CPC Central Committee. Through study, we have further corrected and improved the ideological understanding of the leading bodies and enhanced our political acumen.
2. The party's work style and clean government construction have achieved fruitful results. Our company has always paid attention to the construction of a good party style and political style, held regular democratic life meetings, advocated the establishment of a democratic, United and proactive leadership team, implemented a system of avoiding relatives in work, and individuals voluntarily paid fees to the finance by using vehicles. The official reception was implemented with a management system of "approval first, registration later, and implementation later" to ensure a clean and honest account.
3. Stabilize the labor force. In 2004, the company implemented a new salary system, which caused some people in grass-roots companies to be uneasy. Members of our manager's office started from the overall situation, talked with employees one by one and did a lot of work, which created conditions for the stable and smooth development of the company's business.
4, actively carry out activities to create civilized units. At the beginning of the year, our company was once again awarded the honorary title of Honesty Unit in Jiangsu Province and Civilized Unit in * * City. In order to maintain the honor, our company continued to carry out the construction of soft environment ethics, publicly promised to speak on TV stations and radio stations, released the promised contents in * * information, and held a forum for soft environment ethics supervisors in due course to solicit opinions extensively. And pay attention to propaganda work, set up a series of columns of "Walking into PICC P&C Insurance" in the special issue of radio and television news, and continuously put mobile subtitle advertisements in the waiting hall of the station. Newsletters such as "Broaden the Road of Enterprise Development with Honesty" were adopted by * * Daily, and news such as "* * Branch seized the opportunity of vehicle inspection to publicize the new auto insurance rate" were exchanged in the intranet of provincial companies.
Problems with verbs (abbreviation of verb)
1, the company is tired of market competition and business development, and has relaxed its theoretical study and business study.
2. In the face of strong market competition pressure, some comrades are afraid of difficulties, a few employees are lazy, lack forward-looking market development, take less initiative and take more passive beatings. Caused the loss of a small number of businesses.
Basic working ideas of intransitive verbs in 2005
With the change of the market and fierce competition, as far as * * is concerned, to firmly grasp the initiative of the market, we must strengthen the efforts to compete for the market and accelerate the speed of seizing the market.
First, change ideas, actively adapt to the new management mode and exhibition mode after the shareholding system reform, continue to strengthen the education of competition awareness and crisis awareness, strengthen and use data management, introduce incentive mechanism, and fully mobilize the enthusiasm and initiative of employees.
Second, correctly handle the relationship between scale and benefit, current and long-term, bigger and stronger, strengthen overall public relations, pay attention to the quality of business underwriting, and choose and occupy the market with the fastest speed and best quality.
Third, continue to strengthen communication with public security, traffic police, education, health and other departments, strive for their assistance, and strive to improve the underwriting rate of five small vehicles, Xue Ping insurance, campus liability insurance and medical liability insurance.
The fourth is to strengthen claims service. Efforts should be made to improve the on-site survey rate, adopt humanized service and treat it differently, speed up claims settlement, improve service quality and improve the external exhibition environment.
Five, in view of the competition, pay close attention to the development measures of the same industry, strengthen public relations, take active and effective methods to participate in the competition, consolidate the market share of the original insurance, actively expand new business and ensure new customers.
I'm not engaged in insurance, and this is all I can find. Please refer to it