Upgrading and innovative development of PICC management

As a municipal-level property insurance branch, how to implement various requirements of regulatory authorities and superior companies? Recently, the Changzhou Branch of PICC Property and Casualty Insurance Company of Jiangsu Province organized a large-scale discussion event on how to take the road of innovative development, led by three product lines, and achieved good results. Three Basic Knowledge From the analysis of the economic environment, it is difficult to grasp the economic trend in the coming period. It is difficult to reproduce the blowout market of the auto market in the past two years. It is difficult to achieve scale development through auto insurance alone to adapt to the market rhythm. First, in terms of market, in today’s property insurance market, product homogeneity is becoming more and more serious, and the main way of competition is through price. Many property and casualty insurance companies have gradually shifted their strategic focus, paying more attention to sales network construction, service capability improvement, management form optimization, and corporate brand building. To consolidate market dominance, relying solely on price competition can no longer fully cope with today's market situation, and price is a factor that cannot be ignored in the competition process. Second, in terms of consciousness, we have clearly recognized the competitive situation of slow advancement and retreat, and our unwavering policy of accelerating development has been recognized by the vast majority of comrades. In terms of innovative development ideas, it is necessary to properly handle the relationship between traditional direct sales and emerging channels, the relationship between team building and incentive policies, the relationship between management upgrades and development acceleration, and the relationship between process optimization and skill enhancement. relationship between. Third, in terms of measures, in order to be the first to complete the transformation of competition methods ahead of the market, efforts need to be made in changing ideology, enhancing sales capabilities, optimizing management processes, improving service levels, improving corporate culture, etc., and on the premise of controlling the overall cost rate, achieving Transformation and upgrading of competition methods. Two thorny problems: First, ideological concepts and thinking models cannot adapt to the rapid changes in the insurance market. Risk identification and prevention capabilities need to be further improved. The coverage of modern management, especially process management, needs to be expanded. Second, there is still a gap between the overall quality of the company's employees and the requirements of the rapid development of the insurance market. Some employees have poor business skills and learning abilities and cannot keep up with the company's business and management development requirements. The first of the five measures is to build confidence and correctly understand the way of innovative development. Innovative development requires changing the development model, breaking through self-development bottlenecks, and creating its own development characteristics. This is the fundamental way for prefecture-level property insurance companies to further respond to the market and maintain market leadership. Innovative development is actually based on the original business model, further summarizing, transforming and improving to achieve the purpose of good and rapid development. For the Changzhou Branch, the path to innovative development is to change the original standards, take the market as a reference in terms of development, and the system as a reference in terms of management, and use a more positive business philosophy and a more scientific assessment method to achieve good and Develop quickly. The second is to continue to promote and promote the development model, not just limited to management and processes, but also around market innovation and innovation around expansion. Strengthen the construction of sales capabilities, integrate internal and external resources, and invest limited resources into the channels with the fastest development and the greatest development potential. At present, auto insurance must pay attention to channels. Online sales are currently the channel with the lowest sales expenses and the most control by the company. Human and cost resources should be reasonably tilted towards this channel, other channel cooperation methods should be innovated, and ways of reducing operating costs should be actively sought. A new way to realize the transformation from franchisee to strategic partnership, to realize the development from single operation to diversified services, and from serving customers to guiding customers. On the basis of consolidating the original traditional insurance types, property insurance should expand its development areas and create high-quality insurance types. It should establish a professional sales team, improve the skills of professional talents, combine with the characteristics of local economic development, and seek blue oceans in broader fields. Agricultural insurance should strengthen the construction of rural network, improve the level of policy-based agricultural insurance protection, strengthen the construction of rural stores, strengthen communication and cooperation with government functional departments, and make the rural insurance market bigger and stronger. The third is to keep a close eye on the market. Business units and departments at all levels must further change their concepts and carry out all work well in a market-oriented manner. Realize the transformation from "control-only" to "market-oriented". Abandon the simple "management and control theory" and resolve the contradiction between management and development. Internal management should become a favorable support for business development, establish and improve financial settlement systems, order issuance and other systems, improve the operation efficiency of centralized operation platforms, and establish supporting businesses. Development basis. The process platform should focus on efficiency and quality, optimize financial and order issuance processes, and support grassroots business units and front-line business operators with efficient general insurance services. The fourth is to provide good services and comprehensively improve the level of service hardware and software through the reform of the claims center, so that customers can better appreciate the advantages of PICC’s claims services after an accident. To provide good services, we need to improve customer satisfaction and enhance brand effect, and we must focus on five aspects: service awareness, service skills, service policies, service platforms and service processes. The first two aspects are the prerequisites for high-quality services, and the last three aspects are the guarantees of high-quality services. Through the big service concept of superiors as subordinates, agencies as grassroots, backends as frontends, field offices as customers, and companies as society, a virtuous cycle of great services is formed to achieve the best efficiency of the customer service value and profit chain. The fifth is to stimulate vitality and focus on improving each employee's subjective initiative from honor, treatment and environment. Strengthen the construction of talent teams and attract more talents through policies.

Successful companies in the world all rely on the hard work of people. The quality and vitality of employees are the fundamental driving force for the progress of the company. It stimulates employees' work enthusiasm and inner potential, allowing them to have the courage to contribute their wisdom and talents to better Only with a strong sense of responsibility to work hard, create and innovate can enterprises achieve transformation and upgrading in the ever-changing market environment. Build a work-centered and people-centered HR system, and design a career development plan centered on the comprehensive development of people.

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