How to do a "stabilizer"?Dialogue industry big coffee: effort from demand, channels, technology and other fields

Insurance is an important industry and risk management of the modern economy, and it is also an important symbol of social civilization, economic development, and social governance capabilities. In recent years, with the continuous growth of the Chinese insurance market, the important role of commercial insurance as an economic "shock absorber" and social "stabilizer" has become increasingly prominent.

Looking back at the past 2021, the body of insurance is everywhere. Whether it is a continuous operation with the new crown epidemic, or to deal with sudden natural disasters such as Henan, and the realization of the "double carbon" goal, insurance is courageous and showed, showing the display, showing the display, showing the display, showing the display, showing the display, showing the display, showing the display, showing the display, showing the show The value of its "stabilizer". Looking forward to 2022, under the guidance of a series of national strategies and political policies, how commercial insurance further exerts the long -term stable risk management and guarantee function of the insurance industry, and study the ideas and measures to promote the development of the real economy. Essence

On July 8th, at the "2022 China Insurance Innovation and Development Forum" hosted by the Daily Economic News, Wang Zhiyong, deputy general manager and chief actuator of everyone, Zhao Yuping, Assistant, General Actuary, Chief Risk Officer of Sunshine Life, Assistant General Manager of Tongfang Global Life Insurance, Secretary of the Board of Directors and Chief Human Resources and Administrative Officer Wang, Ren Ruihong, Deputy Secretary and General Manager of the Jinsai Insurance Party Committee, Yang Yan, founder, chairman and CEO of Easy Group, and Qiu Yi, president of Guobao Life Insurance, "Economic Stability The market formed a dialogue.

The guests believed that as a "stabilizer" and the economic "booster", the insurance industry played a unique and irreplaceable role in the development of modern economic and social development. In recent years of practice, the insurance institutions have also been treated with each other to serve the real economy field and social livelihood.

The insurance industry has a lot of highlights in serving the new economic field

In recent years, with the gradual development of the insurance industry, it has penetrated into all aspects of society and economy to escort our industry enterprises and economic and people's livelihood. On the one hand, the insurance industry has actively constructed the risk management and guarantee system of the real economy by launching measures through the launch of the freight logistics insurance, promoting the supply chain cycle of the industrial chain, and increasing the supply of inclusive insurance products. On the other hand, insurance funds are also active. Serving the real economy, supporting supply -side structural reforms, and supporting the financing needs of important projects.

Assistant General Manager of Tongfang Global Life Insurance, Secretary and Chief Human Resources of the Board of Directors and Chief Human Resources and Executive Officer Wang

"The insurance industry is a long -term management industry, especially the life insurance industry." Wang Qianjin took life insurance as an example, pointing out that the life insurance industry's main managers and deaths and deaths, can people spend their lives safely and happily, insurance is among them, and insurance is among them. It has played a great role in guaranteeing, especially after entering an aging society, the exploration of insurance in the pension community and pension services will help society's steady development. In addition, the nature of insurance funds determines its long -term characteristics. Insurance institutions also invest this part of funds into infrastructure construction to promote the development of the real economy. "The current economy is facing downward pressure. Whether the insurance industry is investment infrastructure construction or the investment real economy, it can play a very important role in promoting social development, promoting employment, and promoting the economy."

Ren Ruihong, Deputy Secretary and General Manager of Jinsai Insurance Party Committee

Ren Ruihong also felt deeply. It states that due to the current factors such as the new crown epidemic, the complexity, severeness, and uncertainty of my country's economic development environment are rising, and stable growth, employment, and stable prices are facing new challenges. The unique attributes such as risk transfer, risk prevention, economic loss compensation, and financial linkage of insurance have determined that insurance played an irreplaceable role in stabilizing the economic market.

In actual operation, the insurance industry does the same. In recent years. The risk guarantee function of insurance has been better played. According to data from the CBRC, as of the end of the first quarter of 2022, the original insurance premium income of insurance companies was 1.8 trillion yuan, an increase of 4.5%year -on -year. Compensation and payment expenses were 451.3 billion yuan, an increase of 16.1%year -on -year. At the same time, the balance of insurance funds is also growing simultaneously. The latest data from the CBRC show that the current balance of insurance industry funds is about 24 trillion yuan.

Wang Zhiyong, Deputy General Manager and General Actuary of Life Life

The guests who participated in the highlights and achievements of the insurance industry's new economic field were also very experienced. Wang Zhiyong said that the most discussed in the new economy at present is the pension needs. In this regard, insurance has done some highlights. "First of all, in terms of investment -care service facilities, the long -term and stable characteristics of insurance funds have made insurance funds naturally match the financial needs of pension facilities. In recent years It has done a lot of construction. "Wang Zhiyong said that in the way of trials of insurance companies, insurance companies opened targeted professional editions to introduce international advanced nursing knowledge and standards to transport talents for the pension service industry.

In addition, Wang Zhiyong believes that the actions of insurance companies in the field of digital economy are also very concerned. Including the use of digital means to improve the customer's consumption experience, to improve and create the interaction of insurance companies and customers through digital technology, and to digit the use of digital use customers to improve marketing efficiency, etc. Exploration has indeed achieved high -quality development of the insurance industry.

Insurance institutions need to work in the fields of demand, channels, technology and other fields

Although serving the real economy and new economic fields can better play the role of "stabilizer" in the insurance industry, but the insurance industry cannot ignore the development of the main business. The current market interest rates have declined and the impact of the epidemic situation, and the external environment facing the insurance industry is also very severe. How to maintain growth and benefit is a problem that cannot be ignored in front of various institutions. Zhao Yuping, Assistant to President of Sunshine Life, Chief Actuary, Chief Risk Officer

"From the perspective of demand, insurance institutions need to consider how to meet the changes in consumer demand through the reform of the supply side; from the perspective of channels, insurance institutions need to improve the quality of sales teams and broaden the dimension of sales channels; from the perspective of science and technology, , Insurance institutions need to continue to use scientific and technological means to empower. "Zhao Yuping introduced it from these three aspects. First of all, although my country's insurance density and depth of insurance have a distance from developed countries, the insurance demand does increase continuously , Insurance agencies should consider enriching the supply of product, starting with the consumer's life cycle and family structure, designing some products that can meet their needs; second, customers are more and more professional, and insurance institutions also need to improve the agent's professionalism accordingly At the same time, it is also necessary to build a diversified channel that can reach consumer services to meet the differentiated purchasing needs of consumers; third, the use of science and technology to empower the service platform for building a one -stop full -process process to give the agent better Training and helping them go to insight into customers, build a more direct and flat management model, improve operating efficiency and reduce costs.

Founder, chairman and CEO of Easy Group

Similar to Zhao Yuping's view, Yang Yan also believes that insurance institutions need to start with product side and technology methods to achieve benefit growth and benefit. "Insurance products should better grasp and meet the people's growing protection needs of pension health, participate in the medical and health system in depth, introduce better health services, and serve consumers with this combination of products and services." Yang Yan said that the "Healthy China 2030" Planning Outline proposed: in 2030, the total health insurance expense ratio of commercial health insurance compensation is significantly increased, and the proportion of personal hygiene expenditures has decreased from 29.3%in 2015 to 2030 in 2015 to 2030 About 25%. Therefore, our market is large enough, and employment agencies need to increase the supply of supply -side products. It should have more optimized products to match consumer needs.

In terms of science and technology, Yang Yan believes that the investment in science and technology and multi -party cooperation are indispensable. Insurance institutions must continue to increase the investment in guarantee services, improve digital operation capabilities, and apply cutting -edge technology to all aspects of the insurance industry chain. In addition, Yang Yan also gives insights on the growth of insurance industry insurance and benefits from the perspective of compliance. "Insurance is first of all surnamed 'insurance, so the employees must firmly keep the risk bottom line and create a good environment for the reform and innovation of the insurance industry." Yang Yan said that in 2021 More than 40 industry supervision documents are to create a good and stable development environment for the industry. As a practitioner, Easy Group has always adhered to the red line of compliance. This year, more than ten insurance companies have jointly launched a compliance business commitment to jointly construct a healthy market development environment and promote the sustainable development of insurance.

Qiu Yi, President of National Treasure Life Insurance

While keen observation of the external environment of the industry, employees also applied these insights and views to the business development of the institution. Qiu Yi said that Guobao Life has proposed the development idea of ​​"returning to the nature of commercial life insurance and strengthening the core main business", and strives to promote five innovations: insurance sales and organizational models, insurance products, insurance services, insurance investment categories and paths, and insurance technology applications.

Daily Economic News

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