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恒安标准总经理刘振宇:坚持回归保险本源(图)

来源: 南方日报网络版     时间: 2019年10月19日 13:46:40
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(导)(读)(  刘)(振)(宇)(表)(示)(,虽)(然)(高)(现)(价)(产)(品)(本)(身)(无)(可)(厚)(非)(,但)(我)(们)(对)(其)(始)(终)(是)(一)(种)(限)(制)(态)(度)(,因)(为)(这)(并)(非)(保)(险)(的)(优)(势)(所)(在)(。市)(场)(上)(有)(太)(多)(长)(期)(项)(目)(需)(要)(长)(期)(资)(金)(匹)(配)(,保)(险)(资)(金)(恰)(恰)(能)(够)(解)(决)(长)(期)(项)(目)(资)(金)(需)(求)(,又)(不)(会)(产)(生)(错)(配)(风)(险)(。"  本)(报)(记)(者)(李)(致)(鸿)(天)(津)(、北)(京)(报)(道)(  十)(二)(年)(,弹)(指)(一)(挥)(间)(。2003年)(获)(批)(开)(业)(的)(恒)(安)(标)(准)(人)(寿)(保)(险)(公)(司)((下)(称)(“恒)(安)(标)(准)(”),在)(2014年)(实)(现)(扭)(亏)(为)(盈)(,净)(利)(润)(833万)(元)(。  这)(家)(以)(首)(尝)(“职)(员)(制)(”营)(销)(模)(式)(为)(业)(界)(所)(熟)(悉)(的)(合)(资)(寿)(险)(公)(司)(,终)(于)(在)(历)(经)(数)(次)(转)(型)(却)(依)(然)(坚)(守)(中)(,步)(入)(盈)(利)(周)(期)(。也)(在)(无)(意)(间)(遵)(循)(了)(“边)(跑)(步)(边)(调)(整)(姿)(势)(”的)(发)(展)(思)(路)(。  11月)(11日)(,恒)(安)(标)(准)(总)(经)(理)(刘)(振)(宇)(在)(接)(受)(21世)(纪)(经)(济)(报)(道)(记)(者)(专)(访)(时)(,对)(公)(司)(的)(过)(往)(发)(展)(颇)(为)(感)(慨)(,“一)(路)(走)(来)(,恒)(安)(标)(准)(人)(寿)(经)(历)(了)(规)(模)(保)(费)(短)(期)(下)(降)(等)(种)(种)(压)(力)(,但)(我)(们)(始)(终)(坚)(守)(保)(险)(保)(障)(的)("初)(心)("。”  据)(恒)(安)(标)(准)(提)(供)(的)(数)(据)(显)(示)(,其)(2014年)(全)(年)(净)(利)(润)(为)(833万)(元)(,截)(至)(2015年)(10月)(底)(,公)(司)(净)(利)(润)(为)(6894万)(元)(,同)(期)(个)(险)(新)(单)(加)(权)(标)(准)(保)(费)(同)(比)(增)(长)(26%,可)(投)(资)(资)(产)(累)(计)(收)(益)(率)(为)(6.49%。  对)(于)(公)(司)(未)(来)(发)(展)(的)(前)(景)(,刘)(振)(宇)(已)(在)(心)(中)(勾)(勒)(成)(形)(。“2015年)(,公)(司)(净)(利)(润)(有)(望)(超)(过)(6800万)(元)(。未)(来)(公)(司)(发)(展)(将)(提)(速)(,我)(们)(将)(会)(申)(请)(养)(老)(金)(牌)(照)(,也)(在)(积)(极)(探)(索)(其)(他)(新)(业)(务)(。”  对)(此)(,恒)(安)(标)(准)(的)(两)(家)(股)(东)(——天)(津)(市)(泰)(达)(国)(际)(控)(股)((集)(团)()有)(限)(公)(司)(和)(英)(国)(标)(准)(人)(寿)(保)(险)(公)(司)(表)(示)(,将)(以)(各)(自)(的)(资)(源)(支)(持)(恒)(安)(标)(准)(在)(相)(关)(领)(域)(开)(拓)(与)(深)(耕)(。  “职)(员)(制)(”与)(“三)(线)(防)(御)(”  提)(及)(恒)(安)(标)(准)(,其)(独)(特)(的)(“职)(员)(制)(”营)(销)(方)(式)(和)(“三)(线)(防)(御)(”风)(控)(体)(系)(是)(绕)(不)(开)(的)(话)(题)(。  对)(于)(“职)(员)(制)(”,刘)(振)(宇)(表)(示)(,“中)(国)(大)(陆)(保)(险)(业)(最)(初)(是)(学)(习)(台)(湾)(地)(区)(的)(发)(展)(经)(验)(,采)(取)("代)(理)(制)(",即)(代)(理)(人)(营)(销)(,虽)(然)(凭)(借)(此)(取)(得)(了)(较)(快)(发)(展)(,但)(代)(理)(人)(社)(会)(地)(位)(较)(低)(,待)(遇)(保)(障)(并)(不)(稳)(定)(,社)(会)(形)(象)(亟)(需)(改)(善)(等)(问)(题)(普)(遍)(存)(在)(。因)(此)(,恒)(安)(标)(准)(在)(2003年)(开)(业)(之)(初)(,确)(立)(了)(有)(别)(于)(其)(他)(公)(司)(的)(营)(销)(模)(式)(,即)("职)(员)(制)(",与)(营)(销)(人)(员)(签)(订)(合)(同)(,提)(供)(职)(员)(的)(待)(遇)(和)(保)(障)(,进)(行)(全)(方)(位)(培)(养)(。然)(而)(,运)(行)(三)(至)(四)(年)(后)(发)(现)(,虽)(然)(营)(销)(人)(员)(的)(产)(能)(比)(同)(业)(高)(出)(一)(些)(,留)(存)(率)(好)(一)(些)(,但)(投)(入)(的)(成)(本)(和)(产)(出)(之)(间)(存)(在)(一)(定)(差)(距)(。这)(是)("职)(员)(制)("探)(索)(的)(第)(一)(阶)(段)(,总)(体)(来)(讲)(积)(累)(了)(一)(些)(经)(验)(,但)(也)(需)(要)(修)(正)(。”  “2006年)(至)(2011年)(,恒)(安)(标)(准)(人)(寿)(进)(行)(了)(职)(员)(制)(第)(二)(阶)(段)(的)(探)(索)(,在)(经)(济)(模)(型)(上)(朝)(着)(更)(加)(可)(持)(续)(的)(角)(度)(修)(正)(,采)(取)(了)(两)(种)(选)(择)(的)(职)(员)(制)(。一)(方)(面)(保)(留)(了)(职)(员)(制)(,但)(选)(择)(的)(是)(有)(志)(于)(长)(期)(从)(事)(保)(险)(业)(,并)(能)(够)(完)(成)(一)(年)(期)(市)(场)(考)(核)(的)(代)(理)(人)(进)(行)(签)(约)(,这)(样)(既)(能)(为)(优)(秀)(人)(才)(提)(供)(一)(个)(较)(好)(的)(发)(展)(平)(台)(,也)(能)(解)(决)(前)(期)(成)(本)(过)(高)(的)(问)(题)(;另)(一)(方)(面)(,我)(们)(采)(取)(了)(代)(理)(制)(和)(职)(员)(制)(综)(合)(的)(方)(式)(,虽)(然)(不)(与)(一)(些)(营)(销)(人)(员)(直)(接)(签)(署)(劳)(动)(合)(同)(,但)(会)(提)(供)(类)(似)(于)(职)(员)(的)(经)(济)(待)(遇)(,即)(将)(职)(员)(拥)(有)(的)(五)(险)(一)(金)(加)(入)(到)(佣)(金)(中)(去)(,我)(们)(内)(部)(称)(之)(为)("综)(合)(福)(利)(津)(贴)("。”  “2011年)(,恒)(安)(标)(准)(人)(寿)(在)(原)(有)(职)(员)(制)(的)(基)(础)(上)(开)(始)(了)(第)(三)(阶)(段)(的)(发)(展)(,即)(在)(原)(有)(基)(础)(上)(,提)(出)("有)(理)(想)(、有)(技)(能)(、有)(组)(织)("的)("三)(有)("的)(发)(展)(理)(念)(。有)(理)(想)(,就)(是)(对)(公)(司)(、行)(业)(信)(任)(和)(热)(爱)(,心)(中)(有)(一)(种)(职)(业)(神)(圣)(感)(,这)(样)(才)(会)(对)(同)(业)(竞)(争)(中)(的)(一)(些)(问)(题)(产)(生)(天)(然)(的)(免)(疫)(力)(;有)(技)(能)(,再)(崇)(高)(的)(理)(想)(也)(不)(能)(弥)(补)(技)(能)(的)(缺)(失)(,所)(以)(我)(们)(把)(培)(训)(体)(系)(作)(为)(营)(销)(渠)(道)(的)(核)(心)(竞)(争)(力)(,开)(发)(了)(专)(业)(的)(招)(募)(体)(系)(、专)(业)(的)(销)(售)(体)(系)(、专)(业)(的)(管)(理)(体)(系)(;有)(组)(织)(,作)(为)(职)(员)(,既)(可)(以)(享)(受)("职)(员)(制)("的)(福)(利)(待)(遇)(,但)(也)(必)(须)(遵)(守)(公)(司)(的)(日)(常)(管)(理)(。对)(于)("三)(有)(",我)(们)(也)(有)(相)(应)(的)(培)(养)(和)(考)(核)(办)(法)(。未)(来)(,恒)(安)(标)(准)(人)(寿)(会)(继)(续)(坚)(持)("职)(员)(制)("。”  据)(刘)(振)(宇)(介)(绍)(,个)(险)(渠)(道)(始)(终)(是)(恒)(安)(标)(准)(人)(寿)(的)(核)(心)(渠)(道)(,目)(前)(占)(比)(约)(70%,其)(他)(渠)(道)((包)(括)(银)(保)(、多)(元)(、团)(险)(等)()为)(补)(充)(。  除)(此)(之)(外)(,恒)(安)(标)(准)(人)(寿)(的)(“三)(线)(防)(御)(”风)(控)(体)(系)(在)(“偿)(二)(代)(”下)(优)(势)(正)(逐)(步)(显)(现)(。  刘)(振)(宇)(认)(为)(,风)(控)(主)(要)(是)(价)(值)(观)(的)(问)(题)(,体)(现)(在)(对)(待)(风)(险)(的)(态)(度)(上)(。“我)(们)(内)(部)(会)(将)(面)(临)(的)(所)(有)(市)(场)(风)(险)(、运)(营)(风)(险)(都)(罗)(列)(出)(来)(,大)(类)(、子)(类)(划)(分)(详)(细)(,确)(定)(哪)(类)(风)(险)(是)(可)(以)(接)(受)(的)(,哪)(类)(风)(险)(能)(够)(容)(忍)(的)(,哪)(些)(风)(险)(必)(须)(排)(斥)(,共)(三)(类)(。”  为)(此)(,恒)(安)(标)(准)(人)(寿)(建)(立)(了)(“三)(线)(防)(御)(”的)(风)(险)(管)(理)(和)(内)(部)(控)(制)(体)(系)(。“一)(线)(防)(御)(”由)(处)(于)(日)(常)(业)(务)(经)(营)(管)(理)(的)(职)(能)(部)(门)(和)(业)(务)(单)(位)(组)(成)(,是)(风)(险)(的)(所)(有)(者)(负)(责)(对)(风)(险)(进)(行)(日)(常)(的)(识)(别)(和)(监)(控)(。“二)(线)(防)(御)(”由)(风)(险)(管)(理)(部)(及)(法)(律)(合)(规)(部)(组)(成)(,负)(责)(提)(供)(实)(施)(风)(险)(管)(理)(的)(工)(具)(和)(方)(法)(,监)(测)(其)(实)(施)(状)(况)(并)(对)(异)(常)(情)(况)(进)(行)(报)(告)(。“三)(线)(防)(御)(”则)(由)(公)(司)(内)(、外)(部)(审)(计)(组)(成)(,负)(责)(对)(公)(司)(风)(险)(管)(理)(和)(内)(部)(控)(制)(状)(况)(执)(行)(独)(立)(的)(评)(估)(和)(保)(证)(。  刘)(振)(宇)(透)(露)(,在)(保)(监)(会)(最)(新)(的)(监)(管)(评)(级)(中)(,恒)(安)(标)(准)(被)(评)(为)(A级)((最)(高)(级)(别)()。  坚)(持)(发)(展)(保)(障)(和)(长)(期)(储)(蓄)(型)(产)(品)(  在)(当)(下)(各)(路)(资)(本)(涌)(入)(寿)(险)(业)(的)(背)(景)(下)(,耐)(得)(住)(“寂)(寞)(”并)(非)(易)(事)(。  2014年)(,是)(恒)(安)(标)(准)(成)(立)(的)(第)(十)(一)(年)(,也)(是)(其)(实)(现)(扭)(亏)(为)(盈)(的)(第)(一)(年)(。恒)(安)(标)(准)(人)(寿)(2014年)(年)(度)(信)(息)(披)(露)(报)(告)(显)(示)(,其)(净)(利)(润)(833万)(元)(,综)(合)(收)(益)(总)(额)(5404万)(元)(。其)(中)(,已)(赚)(保)(费)(11.74亿)(元)(,投)(资)(收)(益)(3.76亿)(元)(。  谈)(及)(原)(因)(,刘)(振)(宇)(坦)(言)(,原)(本)(预)(计)(会)(在)(2015年)(实)(现)(盈)(利)(,提)(前)(达)(到)(目)(标)(主)(要)(有)(三)(个)(原)(因)(:全)(渠)(道)(收)(入)(符)(合)(预)(期)(;投)(资)(收)(益)(情)(况)(较)(为)(理)(想)(;和)(有)(效)(保)(单)(数)(量)(稳)(步)(提)(高)(。  根)(据)(恒)(安)(标)(准)(提)(供)(的)(数)(据)(,其)(2014年)(全)(年)(净)(利)(润)(为)(833万)(元)(,截)(至)(2015年)(10月)(底)(,公)(司)(净)(利)(润)(已)(达)(6894万)(元)(。  具)(体)(而)(言)(,2014年)(,恒)(安)(标)(准)(核)(心)(渠)(道)((个)(险)(渠)(道)()新)(单)(加)(权)(标)(准)(保)(费)(同)(比)(增)(长)(24%,预)(计)(2015年)(同)(比)(增)(长)(26%;2014年)(,公)(司)(整)(体)(累)(计)(投)(资)(收)(益)(率)(7.63%,截)(至)(2015年)(10月)(,这)(一)(数)(字)(为)(6.49%。  回)(顾)(一)(路)(走)(来)(的)(酸)(甜)(苦)(辣)(,刘)(振)(宇)(表)(示)(,“恒)(安)(标)(准)(人)(寿)(始)(终)(坚)(持)(回)(归)(保)(险)(本)(源)(的)(发)(展)(战)(略)(,但)(在)(这)(一)(过)(程)(中)(,经)(历)(了)(种)(种)(困)(难)(和)(考)(验)(,尤)(其)(是)(在)(业)(务)(转)(型)(和)(升)(级)(的)(过)(程)(中)(曾)(经)(面)(临)(着)(规)(模)(保)(费)(短)(期)(下)(降)(的)(压)(力)(。但)(保)(费)(收)(入)(的)(排)(名)(,并)(不)(能)(真)(正)(代)(表)(公)(司)(为)(客)(户)(创)(造)(的)(价)(值)(。”  在)(刘)(振)(宇)(眼)(中)(,保)(险)(作)(为)(一)(种)(特)(殊)(的)(金)(融)(工)(具)(,擅)(长)(于)(对)(客)(户)(资)(金)(进)(行)(长)(期)(保)(值)(增)(值)(,有)(别)(于)(市)(场)(中)(其)(他)(金)(融)(工)(具)(明)(显)(的)(短)(期)(效)(应)(。“虽)(然)(高)(现)(价)(产)(品)(本)(身)(无)(可)(厚)(非)(,但)(我)(们)(对)(其)(始)(终)(是)(一)(种)(限)(制)(态)(度)(,因)(为)(这)(并)(非)(保)(险)(的)(优)(势)(所)(在)(。术)(业)(有)(专)(攻)(,银)(行)(、信)(托)(一)(般)(提)(供)(的)(是)(几)(个)(月)(至)(三)(到)(五)(年)(的)(中)(短)(期)(储)(蓄)(和)(理)(财)(产)(品)(,证)(券)(投)(资)(由)(于)(交)(易)(习)(惯)(和)(市)(场)(稳)(定)(性)(原)(因)(持)(有)(期)(限)(一)(般)(也)(较)(短)(,但)(监)(管)(规)(定)(储)(蓄)(类)(的)(两)(全)(保)(险)(的)(最)(短)(期)(限)(是)(五)(年)(。从)(资)(金)(需)(求)(角)(度)(来)(看)(,市)(场)(上)(有)(太)(多)(长)(期)(项)(目)(需)(要)(长)(期)(资)(金)(匹)(配)(,严)(重)(错)(配)(会)(带)(来)(较)(大)(风)(险)(。保)(险)(资)(金)(恰)(恰)(能)(够)(解)(决)(长)(期)(项)(目)(资)(金)(需)(求)(,又)(不)(会)(产)(生)(错)(配)(风)(险)(。”  “诚)(然)(,客)(户)(在)(第)(一)(年)(或)(第)(二)(年)(退)(保)(高)(现)(价)(产)(品)(的)(话)(,其)(现)(金)(价)(值)(可)(以)(高)(过)(本)(金)(并)(且)(还)(有)(一)(部)(分)(收)(益)(,但)(从)(长)(远)(来)(看)(,这)(是)(不)(是)(保)(险)(应)(该)(做)(的)(事)(情)(?谁)(能)(保)(证)(风)(险)(永)(远)(不)(会)(爆)(发)(?我)(们)(始)(终)(坚)(持)(为)(客)(户)(提)(供)(保)(障)(型)(和)(长)(期)(储)(蓄)(型)(的)(产)(品)(,公)(司)(匹)(配)(的)(资)(产)(和)(投)(资)(都)(遵)(循)(安)(全)(性)(原)(则)(,这)(是)(对)(客)(户)(的)(长)(期)(承)(诺)(,在)(客)(户)(退)(休)(、疾)(病)(甚)(至)(身)(故)(时)(,我)(们)(可)(以)(履)(行)(对)(客)(户)(的)(承)(诺)(,这)(也)(是)(寿)(险)(存)(在)(的)(核)(心)(价)(值)(。”刘)(振)(宇)(续)(称)(。  计)(划)(申)(请)(养)(老)(金)(业)(务)(牌)(照)(  谈)(及)(恒)(安)(标)(准)(人)(寿)(未)(来)(的)(发)(展)(,刘)(振)(宇)(表)(示)(,“养)(老)(金)(市)(场)(是)(恒)(安)(标)(准)(人)(寿)(始)(终)(关)(注)(并)(将)(投)(入)(的)(重)(点)(。”  “作)(为)(英)(国)(最)(大)(的)(养)(老)(金)(提)(供)(商)(,恒)(安)(标)(准)(的)(英)(国)(股)(东)(标)(准)(人)(寿)(拥)(有)(百)(名)(精)(算)(师)(,具)(有)(先)(进)(的)(技)(术)(和)(经)(验)(,而)(这)(些)(核)(心)(技)(术)(都)(将)(注)(入)(恒)(安)(标)(准)(在)(养)(老)(金)(产)(品)(的)(设)(计)(和)(系)(统)(开)(发)(等)(方)(面)(。我)(们)(将)(会)(申)(请)(养)(老)(金)(业)(务)(的)(牌)(照)(,希)(望)(能)(够)(开)(发)(出)(更)(多)(的)(优)(质)(产)(品)(,在)(充)(分)(发)(挥)(商)(业)(保)(险)(对)(基)(本)(养)(老)(、医)(疗)(保)(险)(的)(补)(充)(作)(用)(做)(出)(更)(多)(的)(探)(索)(和)(贡)(献)(。”刘)(振)(宇)(续)(称)(。  事)(实)(上)(,为)(确)(保)(养)(老)(年)(金)(资)(金)(长)(期)(投)(资)(的)(稳)(定)(性)(,恒)(安)(标)(准)(人)(寿)(已)(经)(在)(强)(化)(投)(资)(能)(力)(方)(面)(开)(始)(发)(力)(。  刘)(振)(宇)(透)(露)(,“我)(们)(今)(年)(投)(资)(收)(益)(率)(整)(体)(表)(现)(不)(错)(,目)(前)(主)(要)(账)(户)(投)(资)(收)(益)(率)(可)(能)(在)(8.5%-9%之)(间)(。近)(年)(来)(,恒)(安)(标)(准)(人)(寿)(在)(投)(资)(领)(域)(发)(展)(较)(快)(,基)(本)(上)(由)(公)(司)(自)(己)(在)(操)(作)(,拥)(有)(近)(20人)(的)(团)(队)(。  “今)(年)(一)(季)(度)(,保)(监)(会)(核)(准)(了)(恒)(安)(标)(准)(人)(寿)(股)(票)(直)(接)(投)(资)(能)(力)(备)(案)(,恒)(安)(标)(准)(人)(寿)(正)(式)(获)(得)(股)(票)(直)(接)(投)(资)(资)(格)(。年)(底)(前)(我)(们)(会)(进)(行)(信)(用)(风)(险)(管)(理)(能)(力)(备)(案)(,尽)(早)(开)(展)(无)(担)(保)(债)(券)(的)(直)(接)(投)(资)(,明)(年)(具)(备)(条)(件)(后)(可)(能)(开)(展)(海)(外)(投)(资)(。”  采)(访)(最)(后)(,刘)(振)(宇)(的)(目)(光)(停)(留)(在)(办)(公)(桌)(上)(的)(地)(球)(仪)(片)(刻)(后)(,单)(手)(旋)(转)(了)(它)(,随)(即)(对)(21世)(纪)(经)(济)(报)(道)(记)(者)(言)(及)(,“合)(资)(公)(司)(的)(发)(展)(需)(要)(一)(个)(双)(方)(磨)(合)(的)(过)(程)(,现)(在)(恒)(安)(标)(准)(人)(寿)(是)(由)(外)(方)(股)(东)(董)(事)(长)(兼)(任)(公)(司)(的)(董)(事)(长)(,中)(方)(派)(驻)(总)(经)(理)(,这)(是)(全)(球)(经)(验)(与)(本)(地)(智)(慧)(的)(结)(合)(,未)(来)(双)(方)(将)(携)(手)(稳)(定)(的)(前)(行)(,把)(握)(中)(国)(保)(险)(市)(场)(的)(机)(遇)(。”  作)(者)(:李)(致)(鸿)(
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