What are the highlights of MetLife's West Point project?

In terms of specific business, MetLife will take the lead in opening three sales channels in Tianjin in the future: consulting marketing, bank insurance and direct sales.

Into the fast-growing insurance industry.

The second aspect is Tianjin's unique geographical advantages. Tianjin is the intersection of the Bohai Economic Belt and the Beijing-Tianjin-Hebei urban agglomeration, and is located in the center of the Bohai Sea region, one of the three most dynamic coastal areas in China. With the national policy orientation of Beijing-Tianjin-Hebei integration, some industries that used to be concentrated in Beijing will be transferred to Tianjin, and the financial services industry will develop rapidly by integrating these resources. MetLife entered Tianjin and settled in Jinta office building of Tianjin Global Financial Center, which also benefited from the warm recommendation of Heping District Government of Tianjin.

The third aspect is the huge development potential of Tianjin insurance market. Internationally, three indicators are usually used to measure the development of insurance industry in a country or region: premium income, insurance density (i.e. per capita premium income) and insurance depth (i.e. the proportion of premium income to GDP). On the one hand, compared with the level of economic and social development, Tianjin insurance industry still has a lot of room for improvement. In 20 13 years, the insurance density 1980 yuan/person and the insurance depth 1.9% in Tianjin (while the target data of the new national tenth article is that the insurance density reaches 3,500 yuan/person and the insurance depth reaches 5%). On the other hand, according to the 20 13 released by the International Monetary Fund some time ago, the per capita GDP of all countries in the world is 16085 USD, Beijing 15052 USD and Shanghai1455/kloc-0 USD. In the ranking of per capita disposable income of urban residents in the first three quarters of 20 14, Tianjin ranked sixth. This shows that the purchasing power of Tianjin market is also huge. Therefore, whether from the purchasing power or market demand, it shows that the insurance industry in Tianjin market has great room for development, and of course this is also our opportunity. Moreover, there are many well-known colleges and universities in Tianjin, which have trained many outstanding talents, which also provides a foundation for us to find professional financial planners with high comprehensive quality, strong desire for success and strict execution ability in Tianjin.

The insurance concept of Tianjin consumers is improving, and their willingness to insure is also increasing, which provides great opportunities for the entire insurance industry. The preparation of MetLife Tianjin Branch coincides with this opportunity. In the future, MetLife will adhere to the customer demand-oriented, provide more security services for Tianjin consumers and provide a career development platform for more people of insight.

New Finance: How is the preparation for the Tianjin branch of Metropolis going?

X: On August 2, 20 14, MetLife obtained the document of China Insurance Regulatory Commission approving the establishment of Tianjin Branch-Bao Jian [2065438+04] No.24. According to the requirements of China Insurance Regulatory Commission, we should complete the relevant preparations within six months. One is the recruitment of personnel, the other is the completion of the construction of various professional systems, and the third is the decoration of office workplaces. After passing the acceptance of the Insurance Regulatory Bureau, it will obtain a business license. Therefore, we expect to officially open in the first quarter of next year.

In terms of specific business, MetLife will take the lead in opening three sales channels in Tianjin in the future: consulting marketing, bank insurance and direct sales. Tianjin Branch will adhere to the consistent strategy of MetLife and adhere to the road of differentiation and specialization. In order to facilitate understanding, we are used to comparing the three sales channels with the military.

The consultant marketing channel is the army, and our professional financial planners provide services to customers face to face. Through the customer demand-oriented sales model, we systematically analyze the eight basic needs of customers, such as pension, illness and education expenses, so as to tailor a family financial security plan for each family, help customers achieve balance of payments, financial security, and finally achieve financial freedom!

The bank insurance channel is the navy, and through cooperation with major banks at home and abroad, our insurance products are delivered to customers. Customers can go to the business outlets of our cooperative banks to inquire about their insurance product requirements. Customers will get a unique insurance solution customized by MetLife.

Direct selling and telemarketing are the air force, which conforms to the fast-paced life and work style of modern people: our specially designed processes and products can complete all insurance procedures with one phone call, replacing the relatively complicated insurance links such as health notification and physical examination of traditional insurance; At the same time, as a platform for communication with customers, centralized telemarketing center provides a clear and unified dialogue window for our customers.

Of course, no matter what kind of sales channels, we always adhere to the principle of safety and help customers establish family protection plans.

New Finance: Compared with other insurance companies, MetLife's West Point project has a unique demand for talents. What are the specific conditions?

X: The United States Military Academy at West Point is famous in the world because it has produced many famous generals and business leaders. MetLife is a Sino-US joint venture. West Point Project (WPP) is a manager training program for consulting and marketing channels of MetLife. We named our first manager training program after opening in Tianjin with the name of "West Point". Its meaning is to cultivate management talents of MetLife and lay a talent foundation for the future development of MetLife in Tianjin.

The candidates of "West Point Plan" are those who have no experience in life insurance business, aged between 30 and 40, with bachelor degree or above, and master's degree is preferred. Working for more than 8 years, including more than 3 years of management experience, annual income of more than 654.38 million yuan, and working and living in Tianjin for more than 3 years.

In fact, the above conditions are summed up as high-quality talents without life insurance experience. The most critical and special point is that there is no life insurance sales experience at all, which is also one of the characteristics of MetLife's talent training. Metropolis has always been committed to cultivating local talents. We choose talents who have no life insurance experience, which is not only conducive to the inheritance of metropolis concept and culture, but also conducive to the healthy development of the industry. Moreover, we have a mature and powerful training system and are confident to cultivate management talents with the same concept. Ten years ago, I joined MetLife as an agent. Before joining, I had no insurance work experience at all. It was the metropolis that trained me from an agent to the general manager of the company.

New Finance: There are many insurance institutions in Tianjin. What is MetLife's outstanding competitive advantage?

X: MetLife has made remarkable achievements in China, which is based on many years of professional experience, excellent leadership, steady investment and innovative products and services, which is also our competitive advantage.

It is important that MetLife attaches great importance to attracting and cultivating outstanding talents. Won the title of "20 14 Excellent Employer in China" this year. People-oriented is one of the core values of MetLife, and it is also the key for the company to win a competitive advantage. MetLife has established an employer value proposition full of humanistic care. In short, it is "one center, three basic points"-one center is "better life" and the three basic points are fun, future and enrichment. As one of the preferred employers in China market, MetLife is committed to creating a working atmosphere full of happiness, hope and sense of accomplishment, constantly attracting, cultivating and retaining outstanding talents, and making employees feel "a better life in MetLife". MetLife is also the first company in the insurance industry to implement a flexible welfare system.

New finance: Now "Internet finance" is developing rapidly. What are MetLife's plans in this regard?

X: The Internet does have many incomparable advantages over the traditional insurance industry. The application of new technologies such as e-commerce, big data, mobile Internet and cloud computing will bring new opportunities to the traditional insurance industry.

In view of the rapid development of Internet finance in China and its huge potential market, MetLife has established online marketing channels and plans to seize market opportunities through innovation. For example, the "MetLife Love Unlimited" mobile phone application software has been officially released to the public. Through Love Unlimited, customers can share special information with family and friends, or store important documents and precious photos.

Network marketing channels will become the glue of the company's traditional channels, helping all channels to realize digitalization. On the other hand, the online marketing channel will promote the company's online customer service function, so that customers can enjoy fast and convenient services in the digital age and the network age, and the concept of "customer-centric" can be better realized. What customers really need and what we can provide.

New Finance: What are our expectations, especially for the "omni-channel" platform?

Xie: Omni-channel means that when the company builds the platform, IT can open up various channels such as bank insurance, consulting marketing, online marketing, direct selling and group insurance through the IT background, so that it can enjoy the data platform, which not only promotes cross-selling, but also serves customers better through background analysis and personalized customization of products and services. MetLife will actively promote omni-channel transformation. According to the market demand and future planning, the company will carry out omni-channel and all-product diversified strategic transformation in the next 3-5 years.

Many companies focus on customers and refer to products. Really customer-centric, is to get through the channels. In the future, MetLife will provide more personalized services and unify service standards among channels.