Commercial insurance, profit is just "by-products"
● Whether it is industry supervision policy, business goals, or team performance assessment, all must highlight the spirit of "Pu Hui Finance" to cover people, the degree of protection, customer satisfaction is ruler, rather than emphasis on premium income and profit growth rate The "Blue Sea" in the market is not awkward to the insurance industry – the General Office of the State Council has officially released the "Some Opinions on Accelerating the Development of Commercial Pension Insurance", and the development of commercial pension insurance is rising as "national strategy", in tax Policy support, product service innovation, investment fields have new breakthroughs, which have triggered a wide concern. my country is accelerating into the elderly society. However, the current national, enterprise, personal three pillars in the pension system, serious imbalance, personal commercial pension reserves are too low, and the residents’ old-age service purchases are serious. On the supply side, the development of the old-age industry is seriously lagging, the buddle of the pension institution is high, and although the homeholders are affordable, health management, watching the passport materials, etc. "The evening is worried", it is always a big stone in many people.
This "view" not only passes the tax delay, but also encourages residents to increase commercial pension insurance, but also give full play to long-term, stability, scale, and allowing their investment in old-age industries. The supply side, the demand side is united, and the energy of the old-age industry will be fixed. While meeting the pension needs of residents, the extension of the industrial chain, gaining the development of new movements, and the insurance industry is excited. However, doing a big "commercial pension", the insurance industry must first solve the following questions: First, the station is maintained. Unlike general financial products, pension insurance products are both financial products that serve personal pension wealth management, and it is also an important carrier to solve social pension problems, with a dual attribute of private products and public products. Whether it is a newly introduced "opinion", or the previous "National Ten Articles", which clarifies the function of insurance participating in social management. Therefore, the insurance industry must keep in mind: a copy of the insurance contract is a heavy responsibility of the insurance industry to bear the construction of many major pension security systems. Whether it is the supervision policy of the industry, the business goal of the company, or the team’s performance appraisal must highlight the spirit of "Pu Hui Finance", to cover the crowd, the degree of protection, the customer satisfaction is the scale, not to force the premium income and profit Growth rate.
Once, policyful insurance is too low to cause peasants, media and academic issues, ultimately in the national "upgrade" contract, multiplying guarantee; health insurance is too low because of the low price, leading to large-scale flows to overseas … Insurance products However, after the goods were more than three, people will vote with their feet. Pension insurance is the "life-saving money" of the people, especially the tax-type insurance, must moderately control the level of interest in this business in this business, information transparency, to contain "profits", let the people In the people.
Second, the internal strength is strong.
Sailing "Blue Sea", the skills of the helm technology are superb, and the leadership of the risk is high.
The insurance industry should increase the cultivation of talents, improve the compensation pricing technology, fund operating capacity and regulatory level.
Design, providing insurance products and pension services that meet the differences between the majority of people, personalized endowment guarantee requirements.
In addition, the convenience of the Internet, enhance the transparency and flexibility of the operation, improve marketing, payment, etc., so that consumers can be easily bought and assured.
It is also necessary to "care for the 10,000 years", the insurance funds are steady, so that the people ‘s "life-saving money" is safe and obtained reasonable returns. The third is that the supporting measures are in place. The tax-over commercial pension insurance is a new thing, and the pension insurance funds need long-term locking, and the public has a process of recognizing and accepting it.
The design of tax deduction is designed to fully consider the actual situation of residents’ income. From the preliminary tax and excellent health insurance pilot, due to the limited amount of taxation, the investment, the tax process is too complicated, and this policy is greatly weakened to promote the willingness of the residents’ policy – "If the unit does not give it, who is willing In order to save these hundreds of dollars, fill this information, the list, a trip to the local tax? "" The rules of the business pension insurance should fully consider the level of residents, and leave dynamic adjustments in the system design, gradually improve 上海夜生活贵族宝贝 Space.
Business pension insurance is the "big cake" of the industry or the "policy red envelope" of the residents? Can I have both? Also have time to test. There is a saying that Wang Qiang, the founder of New Oriental: "After experiencing a series of markets, you will find that some wealth rewards are only quietly coming as a by-product. It is quiet when it comes, so that you don’t 上海按摩微qq群 realize it all …" hope Commercial pension insurance is in the insurance industry, Huimin is the main business, profit is only by-products.