Tisch
First, the daily work of the office:
1. Practice activities of mass education route: write various manuscripts (weekly regular information manuscripts, comparative inspection materials, literature review, film reviews, democratic life meeting discussion manuscripts, symposium manuscripts, advanced deeds reports and comments, etc.). ), study notes, blackboard newspapers and test papers of all foreign personnel in the automobile office;
2. Work related to the project proposal: writing, printing and binding the project proposal;
3. Work related to the office: mass line related affairs, monthly progress table of investment promotion projects, and all relevant manuscripts required by the office;
4. Office work: sanitation, word processing (printing and copying of various documents and contracts), uploading and distributing, photo printing and binding, etc.
5. Help Director Gong study online and write study notes; Paperless learning of learning methods and usage;
6. Assist other colleagues in the office.
Second, investment promotion work:
1. Double reform and double relocation: screen interested enterprises and visit them regularly.
2. Reception work: the preparation work before the enterprise comes (including the preparation and coordination of the host's speech, sign-in form, speech draft, ppt, venue layout, room layout, etc.). ), as well as the reception work after the company came.
Third, the project service work
Project Services: All services related to the second phase of Yin Lun Project.
extreme
Service tenet
Innovative mechanism, innovative situation, work hard and serve you! Do a good job of one-stop service.
Second, the work objectives
1, do a good job in training employees' business ability and knowledge. Find shortcomings and gaps, and continue to master and grasp the basic service processes, service standards, language skills, emergency response and other aspects.
2. Efforts should be made to establish a key customer information mechanism and electronic information files to better serve customers. (Telephone number and email address of property, heat, media and supervision department)
3, the implementation of customer call electronic tape recorder, recording function, give full play to the efficiency of customer service. Strengthen the return visit mechanism and improve the completion rate and satisfaction of return visits. Go out and listen to the opinions of the people, master the psychological orientation of customers, make judgments, respond flexibly to various events, and help customers solve problems quickly.
4, do a good job in water supply publicity activities, publicity and information collection of common water supply problems in this region. How to drink tap water correctly; How do customers check the water quality and water pressure first? Drink water correctly after stopping water.
5. Seriously implement the work system and implement the assessment methods. Organize the employees of this department to study and implement work discipline and various rules and regulations, and promptly correct the behaviors of employees of this department that violate labor discipline. Clear rewards and punishments, enhance the enthusiasm of employees.
6. Regularly carry out emotional decompression work for customer service staff and have heart-to-heart communication, so that everyone can release different pressures at work, listen to and adopt employees' ideas and suggestions, and improve the effect of service work.
8. Please ask the backbone and elites of advanced departments in the enterprise to explain their advanced work experience and various work deeds to the customer service staff, so that the customer service staff can understand the bitterness and joy of front-line work, and can better provide intimate service to customers, so that customers can better understand our front-line employees and play the role of lubricant between front-line employees and customers.
9. Strengthen the language affinity of customer service personnel and try to summarize the speech contest of customer service personal work at the end of the year. So as to produce more excellent customer service personnel and stimulate everyone's work enthusiasm.
Tisso
First, the development of routine business:
It is more and more difficult to develop accident insurance for Sihong enterprise customers. Institutions in industrial parks are funded by the park, and more and more people choose social insurance. Large enterprises are extremely rare, small enterprises are unwilling or unable to afford them, and many empty nest enterprises appear because of economic influence. Our department finds it very difficult to develop corporate customers. Faced with this situation, in the third quarter, our department took every opportunity to develop enterprise accident insurance, and finally got a premium of more than 80 thousand yuan. But because the insured unit turned to social insurance, two corporate customers were released! The lost premium is nearly 20,000 yuan.
In addition, our department has also contacted several construction sites, which are interested in insurance, but due to contract reasons, no cooperation agreement has been reached for the time being. At the same time, Sihong's engineering insurance is influenced by the unified insurance agreement signed by China Life Insurance and PICC Finance and Housing Construction Bureau, which makes it extremely difficult to carry out business. Even if the project does not require instructions from the Housing and Construction Bureau, the pressure of competition with the industry is very great! The underwriting rate of some large-scale engineering insurance is extremely low, with the insured amount of 300,000, and the insurance premium rate is only between 0.5‰- 1‰. The competition is fierce, and the competition for handling fees is even more fierce. Now 40% of the handling fee has been refunded, supporting the net premium! It has a great impact on our engineering business around towns and counties! We will also strengthen the tracking of several projects we have contacted and underwrite them as soon as possible.
Two. Hopewell Bank's micro-loan accident insurance business
In the third quarter, with the care and help of the general manager's office of the municipal company and the leaders of the group insurance department, and with the dedication and efforts of Manager Gao, my manager and I bid farewell to Pacific Life and joined the more challenging Sihong Company to boldly develop microfinance business.
The leaders of the municipal company asked us to share the experience of micro-credit business of rural commercial banks. Frankly speaking, we can't share it because we haven't made any achievements yet. There are follow-up work to deal with in the visit and communication of the branch. In the communication with rural banks, there is still a certain gap between us and China Life Insurance, and the business development is not smooth sailing. There have been surprises of successful invoicing, the loss of outlets refusing to carry out business, the sadness of branch leaders refusing to support work, and the time when they were rejected. The development of microfinance needs a lot of time and energy. In view of our situation in Sihong, I want to report our development to the leaders. Starting from August 16, we made a big follow-up visit to 26 outlets in the county, taking the opportunity of re-processing the microfinance business, and made a key investigation and public relations according to the billing situation of the outlets in the early stage. Five working days a week, insist on going to the countryside, rain or shine, and resolutely go to the countryside for whatever reason!
In the process of tracking township outlets, the nearest outlet needs 10 km, and the farthest township needs 100 km! During more than one month's persistence in going to the countryside, our marketing department in Sihong contacted nearly 20 outlets, and 12 outlets began to handle our business after more than 4000 kilometers. In addition, Fengshan, Tiangang Lake, Shuanggou and other towns and villages have never handled this business, and have not carried it out for the time being. Through our unremitting efforts and development, several outlets such as Linhuai, Vision Wei, Jinzhen, Yaogou, Chemen and Mansion have become our hardcore outlets, ensuring that 80% of the business of these outlets leaves our company every day. There was a time when some outlets were not in our company. During the maintenance and operation of branches, although we are the latecomers, our warm service and sincere communication have won the support and trust of all branches from the president to the teller, and also ensured the normal and benign development of our follow-up business.
However, due to the influence of private financing and private lending in Sihong in the past year, the business volume of He Hong Bank has dropped sharply. The third quarter itself is the off-season in the process of lending. At present, there are many qualifications and conditions needed for loans, and there are still not many customers who have successfully loaned. In addition, the business volume did not break out because the small poverty alleviation loans of rural commercial banks were not underwritten, but we also believe that with our current efforts, we can better devote our energy and time to the public relations and maintenance of outlets in the fourth quarter and the first quarter of next year to ensure good results in the campaign of getting off to a good start.
During this period, from August 23rd, when Meihua's first insurance policy 150 yuan was successfully tested to September 30th, 38 days later, a total of 28,280 yuan of micro-credit insurance premium was collected. Although the time is short, we also ensure that all billing outlets visit at least once a week, and some outlets have visited five or six times, and have established good cooperative relations with branch presidents, accountants and agricultural loan bookkeepers. After more than 30 days of hard work, it has also been recognized and strongly supported by the leaders in charge of rural commercial bank and the accounting department, ensuring that the documents of our branch outlets are uninterrupted and the documents of people's lives can be issued in time when needed. Although the premium of 28,000 yuan is not much, it is a flame of hope for Sihong institutions and indicates the successful development of new business channels in Sihong. Although more than ten outlets have established cooperative relations with us, our next main goal is to enter Huayuankou Sub-branch with Sihong's business volume, and at the same time continue to explore unknown sub-branches in the fourth quarter, and connect with commercial banks such as Industrial and Commercial Bank of China and Agricultural Bank, and strive to further develop these channels with the strong policies of municipal companies to ensure a good start in the fourth quarter and the upcoming business!
Third, student insurance business.
The third quarter is the peak season for Xue Ping insurance, but this year's business development is not ideal. Due to the influence of unified social security in schools and the fact that public schools don't accept insurance, and the property insurance that we cooperated with before also carried out student insurance, by the end of September, the actual premium of student insurance was only 6.5438+0.5 million yuan, and the effective premium was 6.5438+0.2 million yuan, which was quite different from the index of 400,000 yuan set by the municipal company, and the achievement rate was only 37.5%. However, there are gains and losses. With the great attention of the senior manager and the joint efforts and struggles of all the staff, Sihong Company voluntarily declared the task index of at least 3,000 yuan. At the same time, the completion of task indicators is also linked to personal Mid-Autumn Festival benefits. Although the amount is not much, it reflects the initiative and passion of all employees in Sihong.
In addition, the student insurance business that PICC cooperated with us in the past was basically underwritten by itself this year, and some business was lost. However, through our efforts, we have successfully opened several new schools, mainly kindergartens, and generated tens of thousands of new insurance premiums. Influenced by China Life Insurance, some schools in Sihong, such as Sihong Middle School, Sihong No.2 Middle School and Yucai School, have cooperated with China Life Insurance for nearly 10 years. Through understanding, China Life still has to bear the insurance responsibility of the students in this school, and the insurance premium can be paid in installments. These long-term cooperative relations and policy advantages have a very obvious impact on the business development of our company. We will also look for opportunities in the future work, strive to integrate into some schools and carry out student insurance business.
To sum up, this is the main content of our Sihong Marketing Department in the third quarter, and we will actively correct some existing problems in our future work. Work in the fourth quarter has started. Next, I report to the leader the work arrangement of Sihong Marketing Department in the fourth quarter. Please correct me:
First, the microfinance business is not relaxed.
With a good momentum in the third quarter, we still put microfinance business in the first place in the fourth quarter, strive to develop rural commercial banks, increase the development and convergence of ICBC, Agricultural Bank of China and Suzhou Bank, and strive to complete the visit and convergence of commercial banks in the shortest time. In view of the outlets that rural commercial banks have never visited and the large outlets generated by their main business, we should also find the right time to integrate into Huayuankou Sub-branch in the fourth quarter, and strive for a seat belonging to PICC Life for the subsequent business development.
Second, the development of corporate customers.
In the fourth quarter, we will continue to go deep into unfamiliar customer units, take the initiative to attack, go deep into the market to seek the most reasonable underwriting method for corporate customers, vigorously explore corporate customers and tap prospective customers, and lay the foundation for a good start next year.
In the microfinance business with commercial banks and rural commercial banks, actively contact the legal person department of the bank, actively seek the information of major customers, start from the entrance of the bank, seek a breakthrough, and let the bank become the recommendation of our major customers! Expand cooperation space and make use of resources.
Three, family planning one-child insurance
In the fourth quarter, we will rely on some relationships and contact some leaders of the Family Planning Bureau to try to carry out the one-child insurance. We hope that through some efforts, we can cover part of the one-child insurance in Sihong.
Problems and suggestions in business development in the fourth and third quarters
1, document problem
In the development of micro-credit business in the third quarter, due to the size of A4 paper provided by our company, it is at least twice as large as the documents of insurance companies such as China Life Insurance, PICC P&C Insurance and Pacific Life Insurance. The thickness has also increased a lot. Regarding the printing of insurance documents, the accountants of each branch respectively reflect that our documents are too large, which is not convenient for the bookkeeper of agricultural loans to issue documents and is not conducive to the binding of later documents. In the case of small business volume in the early stage, the accountant can fold it and then bind it. In the fourth quarter or even the first quarter, when the business volume leaps and bounds, it will bring great inconvenience and trouble to the accountants of the branch! Therefore, the accounting department of the rural commercial bank and the accountants and bookkeepers of the branches of the rural commercial bank all report that our company's documents are too large, which is not conducive to business handling!
2. System problems
In terms of business development, the system of peer companies is much simpler than ours. You don't need to enter your home address or the phone number of the insured, just enter the loan number and you can print the voucher! Compared with our company, we need to enter six addresses and telephone numbers, which brings great inconvenience to the work of the agricultural loan bookkeeper. On the contrary, ask the company again. The loans provided by rural commercial banks to customers have complete information, including copies of ID cards, guarantors and detailed qualification information. Our company also needs to enter the address and telephone number when entering the system, which is a great burden and adds a lot of trouble to accountants and billing personnel for no reason. As far as system operation is concerned, branches and outlets prefer to be the documents of the other two insurance companies. We strongly hope that our company can simplify the system procedures according to the actual situation of business development and get rid of cumbersome and unnecessary.
3. The special billing problem of Huayuankou Sub-branch
Huayuankou branch is a battleground for all life insurance companies engaged in microfinance business. Up to now, only two insurance companies, China Life Insurance and Pacific Life Insurance, have carried out this business. At present, it is only handled by the Guo Shou family. Because Huayuankou Sub-branch is located in the center of the county, the daily passenger flow is huge, and the amount and amount of loans are very large! In the process of micro-loan business, because the lending office and the insurance printing office are separated, there is no guarantee that the insurance policy will be issued at the same time during the lending process, and the accountants of rural commercial banks will not run around upstairs and downstairs without this business.