(1) Make painstaking preparations and actively explore new markets for insurance business.
In 2009, XX Property Insurance Company decided to set up a branch in XX District and entrusted this important task to Comrade XXX. As the first branch manager, Comrade XXX was ordered at a critical moment. Since XX, he has been working alone and started complicated preparatory work.
First, determine the location of the company. Choosing a good location has a great influence on the company's image, publicity and business coverage. Manager X traveled all over the streets of XX district, looked at all the houses that could be rented, and finally locked the company address in XXX building. Choosing this place as the location of the branch is more convenient for us to expand publicity and communicate face to face with the owners, which is more conducive to our property insurance business.
Secondly, the house is decorated. Manager X, with the decoration team, visited the rented house that was still a rough house again and again according to the regulations of the superior company and the standardization requirements of the branch company, and the design was revised several times. From the beginning of decoration, he often takes the car as his home. Sleep in the car when you are tired, and eat some fast food noodles when you are hungry. He hates that he can't be in two places at once In recent months, Manager X hasn't washed his clothes for a day and hasn't had a good rest. It is a luxury for his family to go home and have dinner with them. It is in this working state that XX Branch has achieved satisfactory results in a short time.
Third, recruit and train company personnel. Whether a company can develop its business well or not, people are the most critical factor. While making good preparations for the company's hardware, Manager X actively seeks and recruits excellent insurance talents to join the branch. From 1 65438+1October1,a group of young people who are full of energy and love insurance have entered the ranks of XX property insurance. The branch also concentrated time on pre-job business training for all personnel from X to X.
Fourth, the branch successfully passed the superior acceptance. After painstaking preparations, XX Branch of XX Property Insurance Company was finally formally established. X, X, X, X passed the inspection and acceptance by the fire brigade, and obtained the Certificate of Fire Control Acceptance issued by the fire brigade. On X, the internal network system of our company was put into normal operation after running and debugging. On X day, the leaders of the municipal insurance company accompanied the leaders of the provincial insurance regulatory bureau to our company for inspection and acceptance. At this point, our company officially became a member of the XX property insurance company family.
(two) to establish the focus of work, to find a breakthrough in the insurance business in the competition.
1, analyze the situation and establish the work focus. At the end of 2005, our company was just established. In order to carry out the work as soon as possible, the focus established by manager X is to establish good social relations, improve the professional quality of employees and do a good job in the internal management of the company. Consolidating auto insurance and corporate property insurance, and expanding the new car market and new projects are the top priorities of business work. Survival in competition, development in competition. There are three insurance companies (China Property Insurance, China Life Insurance and Pacific Insurance) in XX area, which are engaged in property insurance business and short-term health insurance business respectively, which has virtually formed a strong competitive pressure on our newly established insurance companies. Only by keeping calm, facing the reality objectively, actively seeking countermeasures, and competing with competitors in terms of service level, competitive business ability, competitive dedication, dedication, etc., can we stand out from the existing insurance enterprises, win the participation of insurance talents with strength, win the "return" insurance business, and gain a firm foothold in the insurance competition.
2. Identify the breakthrough and increase market share. According to the source protection situation of XX District in 2005, after careful analysis and research, Manager X took motorcycle insurance, personal accident insurance of ships, schools and kindergartens as the breakthrough point of sporadic insurance this year, contacted the traffic police and other relevant departments, and asked them to help coordinate and represent motorcycle insurance business. At present, the matter is under further negotiation.
3. Pay close attention to claims and improve service quality. The company starts with paying close attention to the first-site survey rate, vigorously strengthens the construction of integrity, cultivates the awareness of insurance integrity, and strengthens the disciplinary mechanism for dishonesty. As long as the report is received, no matter the size of the accident, no matter day or night, the company always insists on sending people to the first site at the first time, grasping the first-hand information, and providing customers with the convenience and service within its power in strict accordance with the fast payment process, which has won the trust of the majority of policyholders and provided a guarantee for our company to expand its market in the future.
(3) Standardize operation and strive to improve the management level of insurance work.
It is an indisputable fact that insurance competition is becoming more and more fierce, which requires 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? This is a question that manager X often thinks about. At the same time, it is also a problem that every employee in our company must think about. In order to gain a quick foothold in XX area where there are three insurance companies, all employees of our company, under the leadership of Manager X, first, strengthen contact and communication with policyholders, and maintain close contact between the company and policyholders; Second, in daily management, strictly implement the financial management regulations, document management regulations and underwriting related regulations formulated and issued by superiors, and regulate and constrain the specific behavior of employees with various regulations; Third, actively and effectively carry out the work, strictly check every insurance policy and every claim, and carefully examine it, so as not to harm the interests of the insured and prevent the company from suffering losses.
(four) people-oriented, training and bringing up excellent insurance workers.
Serving the broad masses of the people is the fundamental purpose of the development of the insurance industry, and constantly meeting the insurance needs of the people is the starting point and destination of insurance work. However, insurance work is something that every insurance practitioner should do. How to keep them in good working condition and widely serve all social strata and all aspects of people's lives? This is also a problem that our company often considers. Our company takes the lead from the leadership, from the time the company was established, from the moment it entered the company. We win the trust of the people and win customers with a resolute and pragmatic work style, a hard-working attitude, the principle of being strict with ourselves, being honest and honest, and a dedicated and skilled working ability. At the same time, the company also strictly requires employees from all aspects to keep a sense of crisis at all times, so that employees can deeply understand the profound truth of "* * * survival * * * death" with the market, completely change the attitude of "wait and see" and participate in market competition with a more proactive attitude. After several months of training, the employees of our company have been trained and tested, and are moving towards excellent goals.
Second, the existing problems
(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, some comrades are unfamiliar with terminology, there are still some problems in the process of business development, and a few employees are lazy, so we should strengthen ideological education in this regard.
Third, the work ideas for the next three years
With the change of the market and fierce competition, in terms of premium in the next three years, if our company wants to firmly grasp the initiative of the market, it must strengthen the competition for the market and speed up the occupation of the market.
(1) Change ideas, actively adapt to the development and changes of the market, continue to strengthen the education of competition awareness and crisis awareness, strengthen and apply data management, introduce incentive mechanisms, and fully mobilize the enthusiasm and creativity of employees. Business objective: The premium income in 2005 was 20,000 yuan, accounting for 4-5% of the market share, in 2006 it was 20-25%, and in 2007 it was 28,000 yuan, accounting for 28-33% of the market share. The comprehensive payout ratio is controlled within 50%, and the comprehensive expense rate is controlled within 35%.
(2) 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 challenge and occupy the market with the fastest speed and best quality.
(3) 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.
(4) Strengthen the construction of service network. To do a good job in insurance after-sales service, we must pay special attention to the construction of service network, start with service, further solve the hardware facilities, and build an organizational structure based on 95585, including centralized reporting, centralized investigation and loss determination, centralized collection, centralized underwriting and centralized compensation, speed up claims settlement, improve service quality and improve external business environment.
(5) In view of the competition, pay close attention to the development measures of the same industry, strengthen public relations, take active and effective measures to participate in the competition, consolidate the market share of the original insurance products, actively expand new business and ensure new customers.
In short, under the guidance of Theory of Three Represents and the spirit of the Fourth Plenary Session of the 16th CPC Central Committee, we should firmly establish and implement the Scientific Outlook on Development, adjust measures to local conditions, keep pace with the times, blaze new trails, work hard, strive to create a new situation in insurance work, and make new contributions to the development of the company and the insurance industry.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.