Overview and Plan of Insurance Companies (I) 20xx is an important year for the development of insurance industry in China. This year, the State Council formulated and issued "Several Opinions of the State Council on the Development of Insurance Industry", which is an important decision made by the CPC Central Committee and the State Council to support the accelerated reform and development of the insurance industry under the new situation, and is of milestone significance in the history of the development of China's insurance industry. It is also a year when our company is facing new changes, implementing new mechanisms and implementing new regulations.
Over the past year, under the correct leadership of the company's Party Committee and General Manager's Office, all employees of the company have United and cooperated, worked hard and made gratifying business achievements, and all indicators have reached record highs.
In 20xx, the paid-in premium of our company was RMB xxxx million, accounting for xxxx% of the annual plan, with a year-on-year increase of xxxx%. We have earned a net premium of xxxx million yuan and a net profit of xxxx million yuan, and the payout ratio (Hong Kong caliber) is xxxx%. All the task indicators issued by the superior company have been successfully completed.
I. Overall operating conditions for the whole year
(1) premium income information
In terms of types of insurance, motor vehicle insurance realized premium income of RMB xxxx,000, accounting for xxxx% of the annual plan, with a year-on-year increase of XXXX%; Corporate property insurance realized premium income of xxxx,000 yuan, accounting for xxxx% of the annual plan, with a year-on-year increase of XXXX%; Freight insurance realized premium income of xxxx,000 yuan. Complete Xxxx% of the annual plan, with a year-on-year increase of xxxx%; The accident insurance premium income was xxxx million yuan, accounting for 4% of the annual plan, with a year-on-year increase of xxxx4%; Family property insurance premium income was RMB xxxx million, down by xxxx% year-on-year.
The annual net premium income is xxxx million yuan. Auto insurance accounts for xxxx%, and non-auto insurance accounts for xxxx%.
(II) Salary situation
Throughout the year, * * * handled all kinds of judgment compensation cases and paid all kinds of compensation of xxxx million yuan, up by xxxx% year-on-year, while payout ratio alone decreased by xxxx percentage points.
In terms of types of insurance, motor vehicle insurance * * * handled all kinds of settled claims, paying all kinds of claims of xxxx million yuan, up by xxxx% year-on-year, while that of payout ratio alone was xxxx%, down by xxxx percentage points year-on-year. Corporate property insurance * * * handled all kinds of settled compensation cases and paid all kinds of compensation of xxxx million yuan, up xxxx% year-on-year, and simple payout ratio xxxx%, up xxxx percentage points year-on-year. Liability insurance * * * handled all kinds of claims, paid all kinds of compensation of xxxx million yuan, down xxxx% year-on-year, and simple payout ratio xxxx%, down xxxx percentage points year-on-year. Freight insurance * * * handled all kinds of settled claims and paid all kinds of claims xxxx million yuan, down xxxx% year-on-year, while simple payout ratio decreased xxxx%, down xxxx percentage points year-on-year. Accident insurance * * * handled all kinds of claims and paid all kinds of compensation of xxxx million yuan, up xxxx% year-on-year, and simple payout ratio xxxx%, up xxxx percentage points year-on-year. Family property insurance * * * handled all kinds of settled compensation cases and paid all kinds of compensation of xxxx million yuan, down xxxx% year-on-year, and simple payout ratio xxxx%, up xxxx percentage points year-on-year. Other insurance * * * handled all kinds of settled claims, and paid all kinds of claims xxxx million yuan, down xxxx% year-on-year, and simple payout ratio xxxx%, up xxxx percentage points year-on-year.
Second, around the goal, pay close attention to implementation and accelerate business development.
1, actively adjust work ideas and refine work objectives.
At the beginning of the year, the general manager's office conducted a comprehensive analysis of the company's premium income in the previous year, actively adjusted the working ideas, decomposed the task indicators issued by the branch according to the product line, and implemented the responsibility system. The weekly morning meeting and weekend meeting are used to inform, sort out and analyze the specific implementation of the company's plan, which effectively ensures the final realization of the annual plan. When formulating the annual task, the company fully considered the optimization of insurance structure and the quality of business underwriting, further clarified the assessment methods, and took the comprehensive payout ratio as the important data for the year-end assessment.
2. Consolidate the existing market share and achieve steady development.
In 20xx, the company focused on stabilizing auto insurance and family property insurance throughout the year and vigorously developed liability accident insurance. On the basis of grasping the business quantity, we will resolutely give up the higher business in payout ratio. First, ensure that the renewal business is in place in time. We require all business departments to report monthly renewal business accounts, and the general manager's office urges the assessment, and requires early involvement in public relations. The mechanism of weekly notification has effectively consolidated the original business, greatly reduced business losses and ensured the market share of major insurance products. Second, strengthen public relations with the relevant departments of Manzhouli Municipal Government, get the list of new projects in advance, establish friendly and cooperative relations with the traffic police department, and ask them to help 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 caused by objective reasons such as competition. Third, don't give up the lost business easily. We not only make the business account of 20xx clear, but also require that the business lost in the process of 20xx exhibition be listed in detail and decomposed into relevant departments, and that public relations should be strengthened to find out the reasons for insurance losses, and the manager should 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. Fourth, grasping the size together can protect. Due to the factors such as enterprise changing production and capital, which have great influence on enterprise property insurance, and the factors such as competition, 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.
In view of the characteristics that the customs declaration, inspection, insurance, banking, cargo transportation and storage of imported goods at Manzhouli Port are all completed by the agent company, we have done the work of the consignee in advance and paid attention to the insurance agency work with the agent company. First of all, we have established a cooperative relationship with the agency company to centrally manage our business so as to better do the work of mainland customers. This year, we signed insurance agency agreements with five agencies to avoid sharp fluctuations in business and pay the premium for freight insurance.
3. Survive in competition and develop in competition.
There are three companies in Manzhouli (PICC P&C Insurance Company, Ping An Property Insurance Company and Pacific Insurance Company) engaged in non-life insurance business, while Manzhouli has a small population and small enterprises. Facing the operating pressure brought by external competition, our company keeps calm and objective, seeks countermeasures in the face of reality, and launches brand wars and service wars with competitors: First, do a good job in the leadership of the local government. The general manager of the company reported to the main leaders of the municipal party committee and municipal government for many times, focusing on how our company increased its support for local economic construction and how to carry out work around local government centers, which not only satisfied the municipal party committee and municipal government with our enthusiastic participation in local government work, but also fully affirmed our company's correct adjustment of business development direction, providing insurance protection and active service for small and medium-sized enterprises. Really let the municipal party committee and municipal government feel that PICC P&C Company is sincerely serving the local government, and it is worthy of support, trust and help, thus giving us a policy tilt. Second, the service is more humane and intimate. At the beginning of the year, members of the general manager's office of the company carried out all-in-one work for major system backbone enterprises in the city, and paid a regular return visit, asking them to put forward their opinions and suggestions on our work. This move has been fully affirmed by enterprises. They think that the company leaders' active home visit is the full embodiment of PICC P&C insurance quality service, which makes customers trust our company more. Third, all middle-level cadres are required to go out of the office and show all the staff. All newly insured customers must explain the terms and commitments in person, keep in constant contact with enterprises, implement zero-distance contact, and provide all-round services as long as customers need it. Fourth, in accordance with the service commitment and industry ban, strict internal control, with claims and underwriting as the starting point, comprehensively improve the overall service level of the company.
4. Fully expand the auto insurance market.
In 20xx, the auto insurance business of Manzhouli Company has experienced an extraordinary year, and the auto insurance business is facing a very severe situation, with both opportunities and challenges. From the perspective of the insurance industry: First, the implementation of the new regulatory policy has triggered the adjustment of products and sales strategies of various companies. Second, the main body of competition is constantly strengthening, and norms and chaos coexist in the market. Third, after the implementation of 1 compulsory insurance in July, it will provide opportunities for the development of auto insurance, while the competitive situation and market structure will be difficult to predict. Especially before 1, in order to seize the auto insurance market, peer companies did not hesitate to seize and win over customer groups by means of high returns, low rates, low prices and lower underwriting conditions. At that time, the auto insurance market was completely unattended, which brought a serious impact to our auto insurance business. After carefully analyzing the market situation, the general manager's office has formulated the development goals of the company's auto insurance business in 20xx: first; Adhere to the principle of giving priority to benefits, intensify efforts to control the growth of insurance rates, implement the principle of exhibition industry in which new car business and renewal business are carried out at the same time, continuously improve the quality of underwriting, change the original ideas and concepts, and constantly explore and innovate enterprise concepts suitable for their own operating characteristics. At the same time, through the investigation of the market, we have made a scientific and meticulous positioning of the market, striving to grasp the changes of market information at the first time and win the market by relying on the brand strength of the company.
Work Summary and Plan of Insurance Company (II) Since the beginning of this year, under the circumstances that the external economic situation and market environment are more complicated and changeable, xx Company has earnestly studied and implemented the instructions of the head office and the branch office. Under the correct leadership of the branch party committee and the general manager's office, all employees of the branch office, Qi Xin, worked together to overcome difficulties, firmly grasped the main line of business performance, firmly grasped the fundamentals of business management, and always focused on the key of team building, based on their own development, and dared to innovate and break through. By the date of 201165438+February 15, xx Company had completed the premium income of 4 1.4 million yuan, accounting for 96% of the annual premium index. Among them, auto insurance premium income is 37.45 million yuan, non-auto insurance premium income is 3.89 million yuan, personal insurance premium income is 60,000 yuan, and the receivable rate is 0.
A, 20** years of management
First, focus on expanding the scale of auto insurance and non-auto insurance premiums.
Since the beginning of this year, xx Company has fully seized the opportunity to improve its internal business policies and standardize the external environment according to the spirit of various meetings of the branch and the requirements of the general manager's office meeting, focusing on the renewal of auto insurance business and the increase of special auto insurance, and newly opened a number of 4s channel businesses to protect the fleet business. The auto insurance premium scale has rapidly expanded to more than 30 million, accounting for more than 75% of the total premium scale. In addition, with the assistance of the relevant departments of the branch, the renewal insurance of East China Power Grid and China Power Investment Corporation was successfully completed this year, with a premium of 3.54 million yuan, which laid the foundation for the non-auto insurance work throughout the year. On this basis, the branch actively expanded other channels of non-auto insurance business, such as credit insurance business. This year, the scale of life insurance business has not yet started, and the annual premium is only over 60,000.
Second, pay attention to performance and fully implement various assessment systems. Assessment system is the most important baton to drive enterprise behavior, and it is the mechanism guarantee to positively motivate enterprise behavior. At the beginning of the year, according to the notification requirements of the Company's 20xx Annual Operating Performance Assessment Method and the xx Company's 20xx Annual Compliance Operating Assessment Method, we formulated and issued the xx Company's 20xx Annual Operating Performance Assessment Method and Cost Control Method. The company has taken a series of measures in assessment management, and established and improved a performance assessment mechanism with profit assessment as the core, total cost control as the premise, and bonus ratio linked to premium scale and insurance classification. These mechanisms promote the normal development of the business and effectively ensure the realization of the premium scale of the branch.
The third is to grasp the team and constantly create an internal environment of striving for Excellence.
In 20xx, employees of our branch participated in various business trainings organized by the branch, such as underwriting policy, financial management, information publicity, human resources, etc., which played a positive role in improving the business operation skills of post personnel and further promoting the healthy development of our branch. On this basis, we also recruited talents extensively according to the notice requirements of "Incentive Measures for xx Company to Accelerate Talent Introduction and Sales Team Growth in 20xx" issued by the branch, and introduced an excellent exhibition staff in July. It is estimated that the premium will reach more than 2 million this year. In order to effectively improve the quality of the team, we actively participated in the activities of organizations and individuals who won the "Double Half" task, won the sixth place in the "Double Half" task, and two exhibition workers entered the top 30 in the premium scale. Participated in the activities of the best units and individuals for business development in the third quarter organized by the branch, won the Yin Bao Prize in the Leopard Award organization, and three exhibition employees were among the top 30 employees with the Eagle Award in premium scale. In the second quarter, the head office won the second prize in the "Who competes with business" activity.
Fourth, pay attention to monitoring and strive to prevent operational risks.
Budget management is a new management concept put forward by the head office in recent years, which has brought great challenges to our profit forecasting work. According to the requirements of the Planning and Finance Department of the Branch, different dynamic templates are designed for premium income, payout ratio due, insurance structure and other factors to scientifically predict profit indicators, and on this basis, internal supervision and fund control are strengthened to achieve comprehensive budget management. In strict accordance with the requirements of implementing the No.70 Document of the China Insurance Regulatory Commission, we have achieved the goal of zero compliance control, fully implemented various compliance control systems, further strengthened compliance management, and never touched the red line or stepped on mines. At the same time, we also strictly implemented the Interim Measures for Centralized Payment of Expenses of xx Company, the Measures for the Control of Expenses of Operating Organizations of xx Company in 20xx and the Notice on Further Strengthening the Management of Sales Expenses of the Head Office, used expenses reasonably, efficiently and in compliance, further carried out the rectification of "authenticity of financial business data" and "compliance self-inspection of intermediary business", and improved the control level. At the end of the year, take the "Anti-Money Laundering Publicity Month" as an opportunity to establish and improve anti-money laundering prevention and risk prevention.
Fifth, pay attention to service, take the initiative to clean up and effectively reduce compensation cases.
Actively participate in the labor competition organized by the branch in the third quarter, taking speeding up the settlement of cases, reducing outstanding claims and reducing payout ratio as important work objectives; The second is to formulate the salary reduction competition plan of the branch company and seriously organize its implementation; The third is to invite the leaders of the customer service department of the branch to give on-site guidance and consult all kinds of outstanding claims of the branch. Under the guidance of the leadership of the customer service department, the business personnel once again sorted out the claims of their customers. In order to speed up the pace of clearing up the outstanding claims, the branch tried every means, and the salesmen also took the time to actively clean up the claims outside the exhibition industry. In order to reduce payout ratio as soon as possible, Liu Zhong, a newcomer in the business department, also gave up his weekend break and drove more than 300 kilometers, reducing a 300,000 compensation case to 1.5 million.
Second, the main shortcomings in the work of 20xx Branch
First, the business structure is relatively simple, and the premium composition is not reasonable. There are historical reasons for the excessive auto insurance business of the branch. However, due to market competition and the decline of non-auto insurance business, personal insurance business has been unable to open up the situation. Therefore, the premium structure of the branch is unreasonable.
Second, the calendar year system in payout ratio is not ideal. Due to the unreasonable business structure and high payment rate, the benefits of large-scale salary are not ideal.
Third, the personnel structure and quality need to be improved. Employees in the exhibition industry lay particular stress on auto insurance and are unfamiliar with non-auto insurance and personal insurance, so it is always difficult to break through in non-auto insurance and personal insurance business. In addition, the branch lacks senior management talents and excellent sales staff, and the internal training is still relatively weak.
Three. Working assumptions of 20xx
In the new year, we will adhere to the overall working idea of strengthening, grasping the weak, filling the gaps and innovating in accordance with the development requirements of the China Insurance Regulatory Bureau in the Twelfth Five-Year Plan, combined with our own reality and around the specific requirements of the general manager's office of the branch, make a fuss about changing our thinking, exert ourselves in scientific development, use our brains in talent construction, and strive to complete the annual indicators issued by the branch, so as to ensure that all the construction of the branch will be upgraded on the original good basis.
(1) Constantly changing ideas and enhancing confidence in development.
Strengthen the sense of crisis and enhance the sense of urgency for development. In the face of fierce market competition, the rise of a large number of branches and four-level institutions has brought unprecedented challenges to our living space. Carry out extensive crisis education in branches, further improve the internal performance appraisal system of branches, truly link performance with survival, and stimulate the internal motivation of work to the maximum extent. Enhance the sense of innovation and cultivate a pragmatic style. In the new year, combined with the actual situation of xx Company, we will take targeted development measures such as business training, consultation on difficult problems, expert guidance, policy guidance, etc., to improve efficiency and maintain the continuous leap-forward development of the branch business. Strengthen the sense of transposition and comprehensively enhance the service image of the branch. Insurance competition is already service competition. In the new year, we will conscientiously implement the concept of service in every business, refine the service process, clarify the service content, standardize the service quality, and gain customer recognition, brand effect and market opportunities through our services.
Work summary and plan of insurance company