129823520626562500_207Zhejiang epitome insurance: at your typhoon insurance difficult moral risk
Zhejiang Province as premiums, development has its uniqueness. Recently, the securities daily insurance weekly in-depth local, by working with regulators, insurance company staff seminar, learned of the local insurance industry six miniature, particularly since the private finance developed, resulting in unique circumstances of rapid development of local insurance policy mortgage loans. Around May 6, the plane after two smallTour finally arrives when the insurance securities journal weekly "go reform"--the first station of Hangzhou, Hangzhou has just entered the summer heat. Reception of our local friends and we soon after greeting the entrance theme of our trip, and started telling us about some of the local insurance industry, we're a two-day stay in HangzhouInterview schedules are agreed on the local distribution of life insurance, property insurance companies in charge of the Forum to fill. Representative on the local insurance market, insurance company executives to the Zhejiang Administration for the securities journal insurance weekly reporter interviews has been specially convened the Forum, show owner's enthusiasm and cooperation
wow power leveling, among the topics of conversation and discourse with them intentionally or unintentionally exposedMore reporters brought to various information on the first impression of the insurance industry's most intuitive of Zhejiang Province. Miniature 1: are premiums higher than the country's at eight or nine o'clock in the evening, non-tourist season on the edge of West Lake still flows is surging. Music Fountain on the Lake in low light and graceful with the mapping of dance, and the roof, led a cheer. According to local friends, take a walk on the Lake is mostly in the fieldWho work or play or on the ground. The morning of May 7, 12/f, Kai Hei ya Hangzhou Conference room, head of the life insurance companies were invited to participate in the Forum and the insurance securities Journal Weekly reporter talking about local developments in the insurance industry. "In recent years Zhejiang market more obvious change is that premiums per capita consumption is growing fast. Our agents arePremium $ 3,000 to 5,000, are now $ 300.05 million, premium growth more quickly. "Zhejiang branch Deputy General Manager Zhu Li
Rift Platinum, Taikang said. Tai Ping life insurance General Manager Huang Chaohui, Zhejiang branch believe that thanks to local economic development driven by changes in the larger environment, real estate market for funds, and changes in the investment environment and regulatory guidance on insurance products as wellA large role. "Rational Zhejiang insurance market, protection, smooth return, consisting mainly of small and medium enterprises in Zhejiang Province the main customer base also determines the private capital in Zhejiang area active, higher disposable income per capita in the nation last year, demand for long-term security, robust insurance products will increase. "Insurance for many years, provinces and insurance markets comparisonDeep understanding of Huang Chaohui summary of life insurance market in Zhejiang Province. Zhu Li on the securities journal insurance weekly journalist joked: "nouveau riche mentality of the past were beginning to mature. Have been rich for some time, money dominate some more objective, rational, and not all funding to the higher growth in high risk high return investments, on all aspects of life has a full range of examinationTaking into account and distribution. "" Zhejiang economic environment better
SWTOR Power Leveling, but very limited support life insurance premium scale. Main customer groups are small and medium enterprises in Zhejiang Province, and SMB owners insurance purchased is not full, they buy for individuals rarely, only have to buy car insurance. But as the insurance penetration in recent years, this situation has changed, and wealth into insurance purchasing powerSpeeds have increased, we have been hoping that this speed can be faster. "Zhu Li told reporters. Miniature 2: fast increase in policy mortgage loans according to relevant information, in 2011, the Zhejiang Province small and medium enterprises policy mortgage loan amount the rapid rise, see from the 7 major life insurance companies, loans amounting to $ 8.23 billion, an increase of 76.2%�� First quarter of 2012, policy mortgage lending growth in Zhejiang Province has declined. Policy mortgage loans 4 of the top life insurance companies, for example, the 4 companies 2012 policy mortgage loans totaling to $ 2.54 billion in the first quarter, compared to the same period in 2011 growth 36.9%; and in 2011 the 4 companies of impawningThan the rate of the 75.4%. Zhejiang insurance Council, 2012-year insurance policy mortgage loans in Zhejiang Province in the first quarter growth rate has slowed, mainly under the influence of a good policy environment, since four quarters of 2011, Central and local governments introduced a series of policy measures to support small micro-enterprise development. Miniature 3: operating pressure of Typhoon insuranceZhejiang Province is located in the coastal, more affected by the Typhoon. According to the Insurance Bureau of Zhejiang province to provide information, in 2004, the "elegant" typhoon, the province's insurance industry paid a total loss $ 754 million; 2005, "haitang" Typhoon 5 times after the continuous attacks of Zhejiang, Zhejiang insurance pay $ 1.07 billion in 2006, in the fight against the "Mulberry beauty" 3 times in the typhoon, paid a total lossAbout $ 250 million in 2007, against "PA" 3 times in a strong typhoon, payment of claims of some $ 200 million. Data suggest that local insurance industry over the years in response to natural disasters such as typhoons in the escort for the local economy and social harmony and stability has done a lot of work. However, the Typhoon there is still a lot of moral hazard in insurance for payment. We found at the basic level, evenSome small business owners in the tile on the ground on all merchandise before the typhoon, Typhoon, everything was broken by blisters, and claims to the insurance company. In fact, many of these goods are sold out, policy holders to do, is to shift the risk of sales to the insurance company. "On May 8, the securities journal weekly insurance and property insurance company in Zhejiang Province, oneInsurance company official told reporters. Miniature 4: "impossible task" on January 28 of this year of the Mission: Impossible 4 released in mainland China, is also at this time, good start seems to be proof of an insurance company "MissionImpossible" actually exists in our life. It is understood that the first quarter of this year, insurance companies on theirBusiness Index issued by Zhejiang branch volume far exceeded the actual output capacity of insurance market in Zhejiang Province, which now became the Zhejiang market risks and enterprise "impossible task". In addition, the Forum expressed, Corporation primary traffic is very high, but on grass-root feedback is very limited. Some task orders and not to the local economy, the market situation for objective and comprehensiveAnalysis, primary insurance agencies hope that the company can increase input into the grass-roots level. Zhejiang Insurance Bureau have also been to the Corporation to fight on grass-roots organizations, networks increase investment. "Our tasks are level of premium plus level, under the parent company to subsidiaries, branches to the company, the final pressure is the largest base of employees, but most of the companies are in accordance with the branchSize supply resources, most of the people most in need of resources at the basic level and are eager to get more resources. "An insurance company official said. Miniature 5: banking and insurance premiums than Zhejiang, lower than the National Insurance Board provides premium data shows, in April of this year, Zhejiang (excluding Ningbo) banking and insurance premiums as percentage of scale 33.1%, size of individual distribution ratio of 59 per cent premium.1%, banks and insurance companies contributed premium 30% local channels only. Especially after the new policies of banks and insurance companies, banks and insurance premium contribution reduced year by year. In April 2011, Zhejiang 38.2% channels of banking and insurance premiums as percentage of scale, individual distribution share 54%; silver scale premium channels than 41.7% April 2010, while the size of individual distribution premium account for more than 48.9%. Absolute advantage of the channels in the National-Insurance-Bank channel in Zhejiang are relatively "weak". Three years, the two channels from evenly to the individual distribution clearly position. "We came in front of Hebei the amount of life insurance, life's two main channels--and banking and insurance, our individual national rankings are relatively near the top, ranked 56th, banks and insurance companiesTen away. "Huang Chaohui told reporters that" banking profits is a national one-fourth in Zhejiang Province, Zhejiang insurance in a weak position, in contrast, banking and insurance in that part of the fee in Bank profits percentage is too low, banks to sell insurance products to get fees and there are no strong desire. "" Any problems in banking and insurance, such as sales appear misleadingBanks on insurance companies that, if not get rid of it, we would have to reconsider cooperation with you. Seminar on "head of one insurance company is a direct indication of bancassurance insurance companies in disadvantaged grass-roots institutions and insurance difficulties. Miniature 6: growth is too difficult to add difficult problem, Huang Chaohui as follows: "in Zhejiang Province in recent yearsBrain has been lacking, Anhui, Sichuan, in recent years to people on the ground are returning, many SMB owners for higher wages in Zhejiang, people could not remain. Such as Yiwu, some business owners $ 3,000 a month plus social security are finding it hard to recruit people, higher quality comparative lack of migrant workers had a big impact on our life insurance increased, these personsIn here to get a certain wage is not difficult, so wanted to make this part of the influx of talent the industry becomes more difficult. "" Our insurance is such, best market supply and demand, it will not work. Is no one selling insurance, selling insurance and fewer marketers, most of the time we have number of marketers to 90,000 people, at least when only some 60,000, absolute numberCountry ranks later. Like other places, some marketers monthly income of 1000 blocks, 2000 block, maybe in local revenues. In Zhejiang, many around the county magistrate and Mayor with the entrepreneur to recruitment. Some enterprises in Zhejiang province to normal start, provided normal wage is around $ 3,000, at this level of income under staff cannot guarantee increased selling insuranceEven more difficult. At the same time, we do business like money, buy a House, loan, these relatively high return, so very few people buy insurance to financing. "A local for many years engaged in insurance sales analysis of growth in Zhejiang Province and the supply and demand of insurance. Zhejiang principal life insurance company marketing staff retention rates, according to statistics, retention rate in 13 months, Zhejiang 25%-Between 30%. Local regulators think, market reform, promotion of in China position may be the increased difficulty of solution to the problem. Over the years, Zhejiang Administration has been exploring effective ways to change of marketing development.
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