When the proportion of business investment to meet or exceed more than half of the premium scale, so that the industry is still not life insurance? When the capital markets experience in the global financial front, for investors, the best strategy? "Safeguard the reunification, it is also insurance stood a good time!" Assumed office in June of Xinhua Life Insurance, LIU Xue-song, general manager of Sichuan branch, last week in an interview with reporters said. In view of the current difficulties faced by the investment market, said Liu Xuesong, taking into account the financial risks, the purchase of life insurance products that protect the financial assets of individuals is the best way to preserve, is the safest haven.
Insurance is a safe haven
Recently, as long as there is one thing to talk about finance with the associated topic, it is almost Yanbi Chen, "the U.S. financial crisis," one of the night's trend sweeping the globe, many industries turn pale at the mention.
"The U.S. financial turmoil on the domestic insurance industry, the impact geometry?" LIU Xue-song exchange with the reporter's first topic, from the start.
"Frankly speaking, I did not feel the impact of that! Our plan is to be completed this year, Silver Deputy Post 15 billion in premiums, but has now completed a 23 billion." LIU Xue-song told reporters that he is very concerned about the financial crisis in the United States dynamic But on his work, the domestic insurance market is not subject to financial crisis. On the other hand, with the stock market adjustment, the insurance company may still an opportunity.
"Last year, the impact of environment, investors are concerned about the points fall on the proceeds of the above, with the adjustment of the market increased, people will inevitably more concerned about asset protection and personal safety", LIU Xue-song of the view that financial management is the adjustment of assets and Portfolio to achieve and preserve and increase the overall value-added. Different configuration can be based on risk, return and liquidity to the security portfolio.
"Insurance is essential for financial management, and its function is to protect any other financial instruments can not be replaced, only one person to buy enough insurance, health care, pension, and so there is no security risk to worry about, unless he Boldly to the consumer and high-risk investments ... ... "In view of the current market environment, said Liu Xuesong, taking into account the financial risks, the purchase of life insurance products that protect the financial assets of individuals is the best way to preserve, is the safest haven.
Industry-wide return of security
In last year's big bull market, in order to meet the investment income on personal preferences, and many market-oriented insurance companies sold a lot of risk even for universal insurance and investment-type insurance now, the financial tsunami strong winds, some of this investment -Insurance also Shayuergui. Data show that in the first half of 2008, the national investment-insurance premium income amounted to 336,100,000,000 yuan, accounting for life insurance premium income of 77.8 percent.
Referring to this view, expressed concern LIU Xue-song, "Since 2007, business investment is driving growth in a number of insurance companies operating the main force. This insurance is not normal." He said, In fact, the essence of insurance is to protect the investment business of over-development, protection of business development lags behind, has deviated from the development of the industry in the right direction. The Fortunately, as the regulatory authority of the China Insurance Regulatory Commission has long been aware of this issue, held in August in the all-clear on security at the meeting asked insurance companies to adjust their business structure: rational development of the Bank of security operations to vigorously protect and develop the business.
"Insurance to protect the return of this formulation is very timely, which is the financial tsunami on the insurance industry is an important inspiration!" LIU Xue-song told reporters in August, domestic insurance companies have begun to return to security, companies have introduced new safeguards Products. Xinhua as insurance, as a result has been to adhere to the traditional insurance and risk-based bonus, so there is no large-scale adjustment of product mix, however, there are currently Xinhua premium structure is irrational, such as: Post Bank operations The ratio is too high to pay wholesale, and the payment period of only 16% of the business, Xue-Song Liu said that in order to prevent the emergence of big ups and downs in business, "slow-down in the mid-stream to pay, pay great efforts to upgrade the period of proportion," Xinhua business in the near future will be to adjust the main tone.
Intensive training
8000 so that the agent should be able to feed
From June to date, Sichuan, Sichuan, Xinhua LIU Xue-song as the head of almost four months since, as in a Sichuan has 8,000 insurance agents of big companies, Sichuan Xinhua Life Insurance, the next step will be how to develop, has also become a concern to the industry Focus.
LIU Xue-song, said he, as well as next year in the near future the most important job is to focus on enhancing the capacity as an agent to increase the basic management. He frankly admitted that, although the number of agents, but individual businesses are currently short of Sichuan, Xinhua board, "Although we have 8,000 people, but 75 percent concentrated in the rural areas, low productivity, management more difficult." See, the production capacity LIU Xue-song is not a piece of heart disease, he Baizhuozhitou count to reporters, "Although we seem to have 8,000 people, but in fact there is a real business in the first half of 1980, only about a month, less than 1 / 4."
LIU Xue-song, said that in order to enhance agent productivity, Sichuan Xinhua pay close attention to the company's recent management of the foundation: training, day-to-day management, particularly through training on a large-scale investment has reached an agent to enhance the capacity of the initial purpose. It is reported that through the efforts of a few months, Xinhua Life Insurance, Sichuan branch is currently operating a month to have about 3,000 more than the original nearly 1,000 people, "the company earlier this month the average annual insurance premiums in a Billion or so a month if the number of operations to the end of next year to reach 6,000, it means that our insurance will be a 2 billion, an increase of 100%. "LIU Xue-song told reporters in the existing agent training At the same time, the next step of human development in Sichuan, Xinhua will focus shifted to the central urban area, and strive to achieve balance, "the first step in plans to reach urban centers and rural agents equal proportion of agents, and the city accounted agent if they can reach 60 % To 70%, is a more satisfactory data. "
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