Scientific Outlook on Development is a new central collective leadership with Hu Jintao as general secretary and Theory of Three Represents as guidance. He profoundly analyzed the new tasks and requirements in the new century and new stage, and put forward strategic thinking. The establishment and implementation of Scientific Outlook on Development is a systematic project, which should be grasped from a macro perspective and implemented 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 related to the overall development of China's economy, finance and insurance industry. Through research, I insist on Scientific Outlook on Development's exposition as follows:
First, the basic connotation of Scientific Outlook on Development of China PICC P&C Company.
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 activities. Scientific Outlook on Development of an insurance company is an important part of its business activities. In 2008, the total premium of PICC P&C insurance in China reached 654.38+000 billion yuan, ranking first in China's non-life insurance industry and entering the top ten in the world. Therefore, China PICC P&C insurance should pay attention to the development of operating efficiency, not only to the increase of profit scale and quantity, but also to the improvement of profit structure and quality, handle the relationship between efficiency, quality, scale and speed, and insist on the profitability of operation. Adhere to people-oriented development, correctly handle the relationship between 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 people-oriented, coordinating the coordinated development of various businesses, and realizing the steady growth of the total amount, quality and structure of benefits and the coordinated and sustainable development of benefits, quality and scale by moderately increasing the scale under the premise of controlling risks.
The basic connotation of China PICC P&C Scientific Outlook on Development can be summarized as the following four aspects:
One is to pursue the quality, scale and speed of development under the premise of controllable risks and cost constraints.
Development is conditional, and accelerating development is the last word and the fundamental way to solve the deep-seated contradictions of the company. But it is not a scientific development, regardless of the constraints of objective conditions, and it is fundamentally harmful to development. Scientific Outlook on Development of PICC P&C Insurance Company in China must first make clear the constraints of development and realize development under all constraints. From an economic point of view, the restrictive factors of PICC P&C insurance development in China mainly include cost constraints (including comprehensive compensation, comprehensive expenses, taxes and fees, 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 institutional defects of insurance companies, on the other hand, it will also cause serious problems for long-term development. Therefore, at the provincial insurance work conference in 2009, Mr. Qiao of Shaanxi Branch of the insurance company put forward that "one focus, two emphases and four persistences" is an interpretation of this important idea.
Second, pay attention to structural optimization and process integration, and pursue the efficiency and benefit of development.
Under the above constraints, China PICC P&C insurance should aim at maximizing profits, 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 the realistic constraint and competitive pressure, insurance companies should not only pay attention to profit scale, but also pay attention to profit structure and quality. 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, it is necessary to reorganize and integrate business processes according to the principles conducive to customer value creation and internal risk control, adjust the organizational structure based on business processes, and establish a mutually promoting and balanced business processing system, risk control system and support guarantee system to realize scientific and intensive business development and improve development efficiency.
The third is to pursue the coordination and balance of development with the goal of rapid, coordinated and sustainable development and becoming bigger and stronger.
China PICC P&C insists on Scientific Outlook on Development, the essence of which is to fully mobilize all favorable factors and the enthusiasm of all parties, and strive to achieve 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 recovery of domestic insurance business for more than 20 years, people have paid more and more attention to insurance, and the functions and functions of insurance have become more and more prominent, and the status of insurance industry in the national economy has been continuously improved. In the final analysis, it has maintained a sustained and rapid development, becoming one of the fastest growing industries in the national economy, and its overall strength and competitiveness have been continuously enhanced. However, we should also see that there are 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 development quality 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, with insufficient innovation and development potential; Enterprise management does not follow the rules, with weak cost consciousness and serious extravagance and waste. All these problems, complicated and complicated, boil down to one point, which is caused by the failure to establish Scientific Outlook on 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, if the insurance industry wants to continuously improve its comprehensive strength, give full play to its functions and roles, and occupy a place in the international insurance market, it 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 insists on Scientific Outlook on Development, and its core content is to be bigger and stronger. Only by making it 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 when insurance companies become stronger can they 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. Not big, not strong. It is meaningless to be big but not strong. Being bigger and stronger is an organic whole.
Fourth, based on the cultivation and construction of corporate culture and employees, we should pursue the harmony and unity of development.
Insurance 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. It is necessary not only to strengthen staff training and continuously improve the professional and technical quality of employees, but also to establish a corporate culture with its own characteristics, temper the team from the perspective of business ethics and business philosophy, enhance cohesion, creativity and overall synergy, enhance core competitiveness, and 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, financial and insurance systems are in a period of great change and transformation. In order to remain invincible in the competition and become bigger and stronger in the development process, China PICC P&C must follow the following basic principles under the guidance of Scientific Outlook on Development:
(A) the principle of coordinated development
Different development views have different directions for the development of insurance companies. In the past, some problems in the development of insurance companies were inevitable in the process of development, and some were caused by unscientific development concept and unscientific development strategy. The establishment of Scientific Outlook on Development is of great significance for insurance companies to dialectically understand and handle the important relationship of relationship development in the new round of reform and development, seize and make full use of strategic opportunities and realize sustainable development.
1, realizing 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 development 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 profitability and development through operational 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, realize lower costs and higher returns 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" contains 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. According to the actual situation, structural optimization will bring about sustainable development. Scientific Outlook on Development's development is based on structural optimization. For example, in view of the fact that motor vehicle insurance occupies the largest market share in the property insurance market, and the competition among companies is the fiercest, payout ratio has always been 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 subdivide 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.
(B) the principle of efficiency
An insurance company is an enterprise, with profit maximization as its business purpose and benefit as its starting point and final destination. 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 benefits.
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 reinvestment and readjustment 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 efficiency. Business development must be profitable, not scale growth, but efficiency has not improved or even decreased. Good benefits can ensure 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 sufficient human, financial and material reserves for the sustainable development of insurance companies.
2. Quality and scale are the prerequisites for achieving good benefits. Insurance companies will not have a good reputation if they don't pay attention to quality and efficiency. To achieve development, they must accelerate 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 performance 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, weakening competitiveness, on the other hand, it leads to the decline of anti-risk ability, which further restricts development.
(3) The principle of prudent operation
Insurance company is an organic part of a country's social and economic system, and its operation and development are bound to be directly restricted by the country's political and economic development environment. Objectively, there are development limits, and blind pursuit of high-speed development can only bring great 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 operational risk of an insurance company is transformed into real loss, it will not only lead to the bankruptcy of the insurance company, but also have a chain reaction to the 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 establishing a century-old shop and promoting stable and sustainable development. Getting rich unconventional is not the track of the scientific development of the insurance industry. Historical experience shows that in PICC, a century-old shop in China, the mature insurance companies are all sound insurance companies. The principle of prudent operation can make employees and managers of insurance companies have a stable development mentality, benign development expectations and rational income expectations, and 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 and 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 pays attention to the combination of short-term benefits and long-term benefits. 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 maintaining operation or avoiding innovation, but seeking rapid development within the possible development level. As the stabilizer of China's 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, 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, win the trust of the people with excellent reputation and stand on the world; 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 faces 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 stable development of the insurance industry.
During the Tenth Five-Year Plan period, driven by a series of reform measures, Guangxi's economic and social development accelerated, with an average annual GDP growth of 10.6%, which was higher than the national average of10.8 percentage points. Economic construction has achieved remarkable results, the quality and efficiency of economic growth have been significantly improved, fiscal revenue has continued to increase, and the living standards of urban and rural people have been significantly improved and improved. At the same time, the comprehensive start of the strategy of developing the western region, 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 and lay a solid economic foundation for the development of the insurance industry in Guangxi.
(B) During the Eleventh Five-Year Plan period, the economic and social development plan of our province provided 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. The gross national product grew at an average annual rate of about 10%, the per capita disposable income of urban residents increased at an average annual rate of about 6%, the per capita net income of farmers increased at an average annual rate of about 5%, and the investment in fixed assets of the whole society increased at an average annual rate of about 16%. The industrial structure is gradually optimized, the process of urbanization is accelerated, and the proportion of non-public economy in the total economic output of the whole region is greatly increased; The layout of modern national defense industry and logistics industry was initially formed, and the county economy was accelerated. At the end of the period, the average GDP of county units reached more than 3 billion yuan. Steadily promote the construction of a new socialist countryside, establish and improve the agricultural service system, and improve the ability of agricultural service support. The realization of these goals is closely related to the insurance industry, which not only needs insurance guarantee services and financial support, but also creates conditions for the insurance industry to open up new business areas and provides a broad space for the development of the insurance industry in Guangxi.
(3) The gradual improvement of the socialist market economic system and the deepening of various reforms have brought broad business opportunities for the development of the insurance industry.
-The advancement of the reform of the social security system has provided greater development space for the insurance industry. At present, the reform of social security system in Shaanxi is in a critical period. In the process of pension, medical care, employment, education, housing distribution and other systems, the past national arrangements have gradually changed to commercialization and marketization, and the social demand for insurance has increased unprecedentedly. The stable development of economy and society objectively requires the establishment and improvement of a diversified, standardized and socialized social security system, and commercial insurance will become an important part of building a diversified social security system.
-The reform of state-owned enterprises and the development of non-public economy need the support of commercial insurance. During the Eleventh Five-Year Plan period, Shaanxi's economic system reform will continue to deepen, and the reform of state-owned enterprises will make a major breakthrough; The transformation of traditional industries has been basically completed, and the position of advantageous industries has become increasingly prominent; The non-public sector of the economy has developed by leaps and bounds, and its economic vitality will be improved unprecedentedly. In this process, with the perfection of market-oriented operation, both state-owned enterprises and non-public enterprises will face more risks, and insurance is urgently needed as an important means of enterprise risk management and transfer to ensure the stable operation of enterprises. All these will help the insurance industry to speed up management innovation and technological innovation, and develop and cultivate new business growth points.
-The insurance industry should play a role in building a security system for agriculture, rural areas and farmers. Vigorously developing rural farming insurance, farmers' old-age medical insurance and property insurance is an effective way for the country to solve the "three rural" problems and an important guarantee for building a new socialist countryside. Applying agricultural insurance to various fields of agricultural production and farmers' life can effectively reduce the impact of natural disasters on agricultural production, stabilize farmers' income, promote agricultural economic development and maintain rural social stability. Guangxi is a province dominated by agriculture, with an agricultural population of 82%. The agricultural sector is rich in undeveloped insurance resources, which is an important growth point for the future development of Guangxi insurance industry.
(4) The gradual improvement of the market system and the increasingly fierce market competition have pushed the insurance industry into a new round of accelerated development.
At the end of 2008, in response to the international financial crisis, the state introduced a series of new measures, especially the development and support of agriculture, rural areas and farmers, which ushered in a favorable opportunity for Shaanxi insurance market to accelerate its development. With the increase of insurance institutions and insurance intermediaries, the expansion of insurance service network and the gradual improvement of Guangxi's insurance market system, full market competition will become a new driving force for Shaanxi's insurance industry to accelerate its development. After the shareholding system reform, the listed state-owned insurance companies will generate new development energy under the new system; Insurance companies at home and abroad have accelerated the pace of institutional expansion and greatly changed the market competition pattern. All these factors will inject new vitality into the development of insurance industry in Guangxi, promote full competition in the market, and constantly push insurance companies to change from the previous competition for local markets and customers to the all-round exploration of potential markets and resources, so as to realize the simultaneous improvement of the quality and quantity of insurance industry development.
(V) Governments at all levels attach great importance to the insurance industry, creating a good development environment for the insurance industry in Shaanxi.
The release of the Ten Articles of the National People's Congress has pointed out the overall objectives and main tasks of the insurance industry in the coming period, and put forward a series of major principles and policies for the reform and development of the insurance industry. It is a programmatic document for comprehensively promoting the modernization of China's insurance industry and an important milestone in the history of China's insurance industry. Governments at all levels and relevant departments in Guangxi have conscientiously implemented the opinions, attached great importance to the development of insurance industry in Guangxi, and actively planned and introduced relevant policies and measures to support and promote the accelerated development of insurance industry in Shaanxi, creating an extremely favorable policy environment for the accelerated development of insurance industry in Guangxi. It can be predicted that during the Tenth Five-Year Plan period, Guangxi insurance industry will usher in new development opportunities. Guangxi insurance industry will play a role in all fields of economic and social production and life, promote the harmonious and stable development of society and realize its own development.
Fourthly, the ways and countermeasures to realize the scientific development of PICC P&C insurance.
Scientific Outlook on Development is used to guide practice. It is an inevitable choice for insurance companies in China to use Scientific Outlook on Development to think about the problems existing in development and guide the future development path. Judging from the current situation of insurance companies in China, to realize the scientific development of insurance companies, we need to start from the following aspects.
First, the guiding ideology of China PICC P&C insurance innovation management. We must quickly establish the guiding ideology of efficiency-centered management, and through the guiding ideology of efficiency-centered management, Scientific Outlook on Development will permeate the whole process of the company's business activities. Conscientiously implement the "Four Decisions": First of all, we must determine the correct development direction, that is, according to the requirements of Scientific Outlook on Development, highlight the benefit concept, and make a reasonable medium-and long-term development plan and specific strategic and tactical plan with the goal of enhancing the company's operational strength and development ability. Only with clear goals and correct development strategies can we unite the strength of employees. Secondly, to make an accurate and clear market positioning is to determine your position in the market. Positioning is to create business characteristics different from other companies, seize the market with characteristics, increase market share, enhance influence and appeal, and consolidate their own development ability and competitiveness. Third, to determine a correct and powerful competitive strategy is to formulate a competitive strategy to achieve the goal on the basis of choosing a good direction and accurate positioning. Fourth, we should select people with high quality, cultivation and ability. With a good direction, a good orientation and a good strategy, we must select outstanding talents to implement and implement them. Without a group of powerful executives, even the best business strategy is equal to zero.
Second, the innovative marketing channels and methods of PICC P&C insurance in China. At present, on the basis of maintaining the original sales channels, we should make great efforts to build new marketing channels. We should seize the opportunity of the current reorganization of insurance market resources and establish close ties with some large intermediaries and agents. In terms of specific practices, first, for large enterprise groups, large brokerage companies and agency companies, the existing insurance resources should be consolidated through linkage mechanisms such as joint insurance and mutual insurance, so as to prevent reducing costs or increasing investment in competition and develop and utilize emerging insurance resources. Second, with a long-term view, we should pay attention to the consolidation and development of agency channels, not passively waiting for others to be agents, but to be partners. Third, take the road of joint insurance. After receiving the tender documents, don't be busy studying how to beat the other party, but should negotiate the possibility of guarantee with the same company first. This can prevent competition and malicious fee reduction from destroying market resources. Fourth, timely and appropriately increase some service outlets, such as insurance service offices, so that customers can buy insurance when they are away from home. Fifth, actively expand telephone and e-commerce sales channels.
Third, China PICC P&C innovated insurance products. Market demand is the main factor to promote product innovation. As early as 1974, American scholar Utterback came to a conclusion that 60%-80% of innovation is demand-driven. Therefore, the development and innovation of both life insurance and property insurance should focus on changing the current situation of similar insurance products and unclear market segmentation. On the basis of market demand investigation and analysis, according to the principle of market demand and profitable operation, we should increase product innovation and investment, find out consumers' needs, psychological expectations and price tolerance bottom line, and then design personalized insurance products that meet the needs of different customer groups and have different added values to meet people's various needs. Actively develop products suitable for different sales channels, such as fixed insurance policies, and don't lose channels because of technical problems. Provide strong organizational guarantee and institutional guarantee for the innovation of sales methods and models. The management adapts to sales and the backstage adapts to the front desk.
The demand of customers is always the driving force for the company to change. At the same time, another meaning of insurance product innovation should be to develop insurance products with obvious regional differences for different regions, which will give different customers and different operators more choices.
Fourthly, China PICC P&C Insurance provides innovative insurance services. At present, China's insurance companies have carried out some service innovations, such as launching special customer service hotlines, accident scooters, riders' clubs, off-site accident claims, and small-sum fast claims channels, but these innovations are still narrow and low-level. To further deepen the innovation of insurance services, on the one hand, we should gradually expand the links around the service chain of "insurance consultation → risk assessment → insurance scheme design → underwriting → risk prevention after underwriting → accident investigation and loss determination → claim settlement"; On the other hand, all kinds of value-added services and services should be based on the needs of China's relevant system reform and social development. Starting with customer segmentation, we should formulate different service contents and methods for different customers and customer groups. In particular, it is necessary to formulate service standards and service contents for high-quality customer groups and customers who are not in danger or less, cultivate the company's loyal customer base and build the company's service brand.
Fifthly, the innovative management concept of PICC P&C insurance in China. Improving the profit level is the fundamental purpose of management innovation. First of all, we should make full use of electronic information and other high-tech means to replace traditional manual operations in exhibition marketing, on-site investigation, loss settlement, customer management, customer service, etc., instead of engaging in crowd tactics, we should raise "idle people" and set up "organs" at different levels. The more means of transportation, the better, and reduce the operating and management costs to a reasonable range. This is also the fundamental way to enhance viability and competitiveness. Secondly, we should constantly study the mechanisms and measures to evaluate the authenticity of insurance business results. In the insurance business, as long as you don't pay compensation and withdraw the reserve according to the regulations, the operating performance is true. However, some operators often regard it as a supervisor and cover up the authenticity of a unit's operating results through technical treatment. Therefore, through the innovation of management mechanism, on the one hand, it regulates business behavior, on the other hand, it guides operators to consciously safeguard the authenticity of business results. Only in this way can we maintain the company's sustainable development ability. Third, we should constantly study the ways and means of risk management. Risk management focuses on prevention, and efforts should be made in monitoring means and monitoring contents. The key is "dual-core" to ensure that all kinds of monitoring information can be obtained more timely and effectively, and the risk can be controlled in the minimum range. At present, the most terrible thing is that you know that this order is going to lose money, and you still fight and rob, knowing that you still have to do it illegally.
Sixth, China PICC P&C Insurance innovates human resource management. The competition between modern enterprises has increasingly evolved into the competition among talents, especially the modern insurance industry with high technology, high knowledge and high intelligence. Whoever can attract the best talents, who is good at using and retaining talents, will win the advantage and seize the opportunity in the future competition. As intangible assets and wealth, human resources are not only related to the sustainable development of insurance companies, but also to their life and death. As an insurance company, people-oriented contains more content. "People" here refers not only to employees, but also to customers and shareholders. The people-oriented principle requires that the business development of insurance companies must be based on providing satisfactory services to customers with satisfied employees and creating maximum value for customers and shareholders. The development of insurance business and customer service should be based on the "customer-centered" business philosophy, so as to truly facilitate customers, satisfy customers, increase customer value and realize people-oriented customer relationship management. People-oriented employee management should include the following contents: first, people-oriented management, emphasizing that human resources are the first resource; Second, staff management, the main body of management is all staff; Third, the organizational goals are unified with the goals of individual members of the organization; Fourth, mobilize the enthusiasm of members through a good incentive mechanism. While doing a good job in human resources management, insurance companies should also safeguard the legitimate rights and interests of customers in accordance with the law and constantly improve the investment income of shareholders.
In a word, to realize the sustained and steady development of PICC P&C insurance in China, we must fully and accurately understand and grasp Scientific Outlook on Development. Only in this way can the company not be eliminated in irrational competition, develop quickly and well, become bigger and stronger, give full play to the due function of insurance, and be in a leading position in the same industry.
I hope the above information is helpful to you!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.