A survey report on property insurance in Scientific Outlook on Development

Scientific Outlook on Development is a new central collective leadership with Hu Jintao as the general secretary, and under the guidance of Theory of Three Represents, it is a systematic project to deeply analyze the new tasks and new requirements in the new century and new stage, and to establish and implement Scientific Outlook on Development, which should be grasped as a whole from a macro perspective and put into practice from a micro perspective. Whether China PICC P&C can firmly establish and conscientiously implement the Scientific Outlook on Development is not only related to the company's own development, but also to the overall development of China's economy, finance and insurance industry. Through study, I will stick to Scientific Outlook on Development's discussion as follows:

1. The basic connotation of Scientific Outlook on Development of PICC P&C Company in China

At present, China's insurance industry is in a competitive market in the economic field, and its development concept should not only meet the requirements of Scientific Outlook on Development proposed by the central government, but also meet the requirements of enterprise characteristics and its activity rules. Scientific Outlook on Development of an insurance company is an important part of its business activities. In 28, the total premium of PICC P&C insurance in China reached 1 billion yuan, ranking first in China's non-life insurance industry and entering the top ten in the world's non-life insurance industry. Therefore, PICC P&C insurance in China should focus on the development of operating efficiency, not only pay attention to the growth of profit scale and quantity, but also pay attention to the improvement of profit structure and quality, handle the relationship between benefit, quality, scale and speed, and adhere to profitability, safety and speed of operation. Adhere to people-oriented development, correctly handle the relationship among shareholders, employees and customers, and realize the steady and sustainable development of insurance companies. Therefore, China PICC P&C Scientific Outlook on Development can be expressed as: adhering to the people-oriented principle, coordinating and developing all businesses as a whole, and on the premise of controlling risks, achieving steady growth in total benefit, quality and structure by moderately increasing the scale, so as to achieve coordinated and sustainable development of benefit, quality and scale.

The basic connotation of PICC P&C Scientific Outlook on Development in China can be summarized as follows:

First, the quality, scale and speed of development are pursued on the premise of risk control and cost constraint.

development is conditional, and accelerating development is the last word and the fundamental way to solve the deep-seated contradictions of the company. However, it is not scientific development and is fundamentally harmful to development regardless of the constraints of objective conditions. China PICC P&C Insurance Company's Scientific Outlook on Development, first of all, should make clear the constraints of development, and realize the development under satisfying all constraints. From an economic point of view, the constraints on the development of PICC P&C insurance in China mainly include cost constraints (including comprehensive compensation, comprehensive expenses, taxes, capital occupation and risk loss), management constraints, talent constraints, legal constraints and regulatory constraints. Hard development regardless of constraints, on the one hand, reflects the defects in the system of insurance companies, on the other hand, it will cause serious problems for long-term development. Therefore, at the provincial insurance conference in 29, Mr. Qiao, the Shaanxi branch of PICC P&C Insurance Company, assumed that the arrangement of one center of gravity, two emphases and four persistences is the interpretation of this important idea.

the second is to focus on structural optimization and process integration, and pursue the efficiency and benefit of development.

China PICC P&C Insurance should take the maximization of profits as its business objective under the above constraints, which is determined by the nature of the insurance company. The profit realized by an insurance company not only reflects its own survival value and contribution to society, but also is the core index to measure its development speed and quality. Under realistic constraints and competitive pressures, insurance companies should not only pay attention to the scale of profits, but also pay attention to the structure and quality of profits. This requires insurance companies to adhere to the market-oriented and customer-centered, and promote the adjustment and optimization of business structure, customer structure and regional structure in order to increase the total profit and optimize the profit source structure. At the same time, we should reorganize and integrate business processes according to the principle of being conducive to customer value creation and internal risk control, adjust the organizational structure based on business processes, and establish business processing systems, risk control systems and support and guarantee systems that promote and balance each other, so as to realize scientific and intensive business development and improve the efficiency of development.

thirdly, aiming at rapid, coordinated and sustainable development and becoming bigger and stronger, we should pursue the coordination and balance of development.

China PICC P&C insists on Scientific Outlook on Development, and its essence is to fully mobilize all favorable factors and the enthusiasm of all parties, and do our best to realize the rapid, coordinated and sustainable development of insurance companies.

development is the last word and the key to solve all the problems of insurance companies. Since the resumption of domestic insurance business for more than 2 years, people have paid more and more attention to insurance, the function and role of insurance have become more and more prominent, and the position of insurance industry in the national economy has been continuously improved. In the final analysis, it has maintained a sustained and rapid development and become one of the fastest growing industries in the national economy, which has continuously enhanced its overall strength and competitiveness. However, we should also see that there are still many problems at the same time of rapid development, which are mainly manifested in the following aspects: the development speed is mainly supported by extensive expansion that consumes a lot of resources, and the quality of development is not high and the foundation is not firm; Driven by the pursuit of speed and "political achievements", some enterprises raise fees in disguise and fight price wars and naval battles; The gap in insurance development between regions and between urban and rural areas is widening; The product structure of each company is similar, the innovation is lacking, and the development potential is insufficient; Enterprise management does not follow the rules, with weak cost consciousness and serious extravagance and waste. All these problems, complicated, boil down to one point, are caused by the failure to establish a scientific concept of development. In other words, it is impossible to look at and solve the problems of why, for whom and how to develop with a scientific world outlook and methodology. In the future, the insurance industry must constantly improve its comprehensive strength, give full play to its own functions and roles, and occupy a place in the international insurance market, all of which must rely on development. Therefore, insurance companies should take accelerating development as the primary task at present and for a long time to come, and strive for development wholeheartedly.

China PICC P&C adheres to the Scientific Outlook on Development, and its core content is to be bigger and stronger. Only by being bigger can we give full play to the functions and functions of insurance, gradually change the situation that the insurance industry does not meet the needs of economic and social development, and serve the comprehensive, coordinated and sustainable development of the economy and society. Only by becoming stronger can insurance companies continuously improve their own strength and grow stronger while serving economic and social development. Being bigger and stronger, as the core content of insurance company Scientific Outlook on Development, is dialectical unity. No big, no strong. There is no point in being big without being strong. Being bigger and stronger is an organic whole.

the fourth is to pursue the harmony and unity of development based on the cultivation and construction of corporate culture and staff.

The insurance industry is an intelligence-intensive industry, and human resources are its most important strategic resources. Its development should be people-oriented. The key to the innovation source and sustainable development of insurance companies is to do a good job in team building, not only to strengthen staff training and continuously improve their professional and technical quality, but also to establish a corporate culture with its own characteristics, to temper the team from the perspective of business ethics and philosophy, to enhance cohesion, creativity and overall synergy, to enhance core competitiveness, and to provide a source of power for the sustainable development of insurance companies.

Second, China PICC P&C adheres to the basic principles that Scientific Outlook on Development should follow

At present, China's economic and financial insurance system is in a period of great transformation and transition. If China PICC P&C wants to remain invincible in the competition and become bigger and stronger in the development process, it must follow the following basic principles:

(1) The principle of coordinated development

Different development views have different effects on the development of insurance companies. In the past, some problems in the development of insurance companies were unavoidable in the process of development, while others were caused by unscientific development concept and unscientific development strategy. Establishing a scientific outlook on development is of great significance for insurance companies to dialectically understand and deal with the major relations related to development, seize and make full use of strategic opportunities and realize sustainable development in the new round of reform and development.

1. realize the coordination between development and risk control. To realize the benign development of insurance companies, we must also handle the relationship between development and risk control. Development is an eternal theme, but it is conditional. The scale and quality of development depends not only on the external market environment, but also on the internal risk management level. Only the development based on good development quality and effective risk control can maintain sustainable development. The insurance industry is a high-risk industry, and insurance companies achieve profit and development through operating risks. Therefore, insurance companies should introduce advanced risk management systems and technologies, establish and improve the risk management system, make risk management run through all employees, the whole process and all directions through scientific and effective internal control system, and realize low cost and high income through good risk control, and finally realize the sustainable and benign development of insurance companies.

2. Grasp the coordination between development and structural optimization. "Development" includes two meanings: one is the expansion in total quantity, and the other is the optimization in structure. Development and structural optimization are a pair of contradictory unity. In development, structural optimization is carried out according to the actual situation, and structural optimization will bring sustainable development. The development referred to in the scientific concept of development is based on structural optimization. For example, in view of the fact that motor vehicle insurance accounts for the largest market share in the property insurance market, the competition among companies is the fiercest, payout ratio has remained high, and its profit contribution rate is seriously mismatched with its premium ratio, insurance companies must speed up the development of non-auto insurance business and increase the proportion of non-auto insurance business in the overall property insurance business; Actively segment the market, reduce the proportion of high-risk and low-benefit businesses in auto insurance business, and increase the proportion of high-quality businesses and benefit customers.

(II) Principle of Benefit

An insurance company is an enterprise, and profit maximization is its business purpose, and benefit is the starting point and ultimate destination of its management. Benefit is a sign to identify and judge the development status and trend of insurance companies, and the development result of insurance companies is ultimately the maximization of benefit.

1. Benefit is the destination of development and the most powerful guarantee for the sustainable development of insurance companies. Pursuing profit maximization is the starting point and destination of insurance company's operation. Without benefits, there will be no re-investment and re-adjustment of resource elements, and it will be difficult to achieve normal development. The purpose of development is to pursue benefits, whether it is scale expansion or structural adjustment, and ultimately it is to strive for better benefits. Therefore, the advantages and disadvantages of all business activities of insurance companies must be based on the level of efficiency and the evaluation criteria of whether there is efficiency. The business development must be profitable, not the scale growth, but the efficiency has not increased or even decreased. Good benefits can guarantee sufficient and reasonable capital and solvency, expand the scale of assets and improve the ability to resist risks; Can return to shareholders and customers, thus attracting investment and retaining quality customers; We can strengthen staff training, update business philosophy, carry out system innovation, technological innovation and product innovation, and make full reserves of people, money and materials for the sustainable development of insurance companies.

2. Quality and scale are prerequisites for achieving good benefits. If insurance companies don't pay attention to quality and efficiency, they won't have a good reputation. To achieve development, they must speed up their business development, which will lead to a corresponding increase in the cost of exhibition industry and insurance claims to a certain extent. If the growth rate exceeds the profit and loss threshold, the operating results will be unsatisfactory, thus restricting development; Without a certain scale and market share, on the one hand, it does not have the advantage of scale economy, and the insurance operating cost rises, which weakens the competitiveness, on the other hand, it leads to the decline of anti-risk ability, which further restricts the development.

(III) Principle of Steady Operation

Insurance companies are an organic part of a country's social and economic system, and their operation and development are bound to be directly restricted by the country's political and economic development environment, which objectively has development limits, and blind pursuit of high-speed development can only bring huge risks to insurance companies; Insurance companies are high-risk industries. The operating characteristics of insurance companies and their key position and special role in the national economy make the operating risks of insurance companies have the characteristics of concealment and diffusion. Once the operating risks of insurance companies are transformed into real losses, they will not only lead to bankruptcy of insurance companies, but also have a chain reaction to social economy and cause social unrest. Therefore, it is almost a common practice for insurance companies to follow the principle of prudent operation all over the world. In the insurance industry, we advocate the establishment of a century-old shop and advocate stable and sustainable development. Getting rich and unconventional is not the track of the scientific development of the insurance industry. Historical experience shows that the well-developed insurance companies in China PICC, a century-old shop, are all sound insurance companies. The principle of steady operation can make the employees and managers of insurance companies have a stable development mentality, benign development expectations and rational income expectations, and they can calmly cope with temporary difficulties and realize the long-term development goals of insurance companies. Regardless of the characteristics of the insurance industry, trying to seek unconventional and leap-forward development, in order to seek the speed of development, unscrupulous, full of concepts, will only achieve short-term benefits, in order to achieve short-term development goals, unscrupulous and quick success, not only compressed the space for future development, but also disrupted the insurance order and economic order. Steady management focuses on the combination of short-term effectiveness and long-term effectiveness. Today's development lays a solid foundation for future development, rather than leaving hidden dangers. China's insurance companies follow the principle of steady operation, not to maintain their operations, not to avoid innovation, but to seek rapid development within the possible development level. As the stabilizer of our national economy, it is an inevitable choice for insurance companies to implement a sound business development strategy. On the one hand, insurance companies should formulate a steady development strategy, create a steady development management culture, and pay attention to the organic combination of short-term benefits and long-term benefits, so that managers and all employees have a stable and healthy mentality and benign development expectations, and win the trust of the people and stand on the world with outstanding reputation; On the other hand, it is necessary to establish and improve an effective risk prevention and management mechanism, appropriately arrange the proportion and scale of business according to the occurrence probability of various business risks, and use the insurance company's own and external management means and technologies to control, reduce, transfer, eliminate and resolve risks to the maximum extent.

Third, the insurance industry in western Shaanxi is facing good development opportunities

(1) The rapid economic and social development of our province during the Tenth Five-Year Plan period provided a good economic foundation for the sustained and steady development of the insurance industry

During the Tenth Five-Year Plan period, driven by a series of reform measures, the pace of economic and social development in Guangxi accelerated, with an average annual growth rate of 1.6% in regional GDP, an increase rate of 1.8 percentage points higher than the national average, and achievements in economic construction. At the same time, the strategy of developing the western region has been launched in an all-round way, the rapid economic development and the continuous improvement of people's living standards have put forward new and higher requirements for the insurance industry, which needs the insurance industry to provide all-round, multi-level and diversified insurance protection, laying a solid economic foundation for the development of the insurance industry in Guangxi.

(II) The economic and social development plan of our province during the Eleventh Five-Year Plan provides a broad space for the development of the insurance industry

During the Eleventh Five-Year Plan period, the economic and social development of our province will enter a new stage, and the national economy will continue to maintain rapid growth, with an average annual growth of about 1% in gross national product, an average annual growth of about 6% in per capita disposable income of urban residents, and an average annual growth of about 5% in per capita net income of farmers.