华泰财产保险股份有限公司概况(6)(1).docx

华泰财产保险股份有限公司二三年概况一、公司概况华泰财产保险股份有限公司是中国第一家全国性股份制财产保险公司，1996年8月29日在北京开业，注册资本金13.33亿元人民币。公司60余家发起股东多为实力强、规模大、效益好的大型企业和企业集团，覆盖了石油、电力、冶金、电子、化工、航空、建筑、轻工、船舶等24个行业，股东总资产超过1万亿人民币。华泰保险公司财务基础雄厚，偿付能力充足，专业技术和风险防范意识领先，为国内外数十万客户提供了值得信赖的保险服务。华泰是国内首家外资参股的财产保险公司，美国ACE保险集团作为公司重要股东和战略合作伙伴，为公司提供了多方面的支持和协助，使华泰的管理技术和经营水准向国际化标准靠拢。华泰保险公司在全国26个城市设有分支机构，形成了面向全国的经营布局。二、发展战略公司根据“专业化经营，质量效益型发展”的战略方针，努力调整险种结构，改善业务质量，拓展目标市场，培育目标客户。面对日益激烈的市场竞争环境，坚持科学的发展观，依靠创新把公司做大做强。公司通过外资参股，进一步优化了股权结构，引进了先进的管理理念和技术、资金、人才等战略资源，在承保选择、风险管控、量化管理以及快速实施等方面，开始形成新的竞争优势，并且将在产品、销售渠道、服务和管理等方面加强创新，进一步提高公司管理水平和竞争能力。按照专业化分工、个人负责制和扁平化管理的原则，华泰逐步建立并完善了新的保险业务管理架构。公司加强了对分支机构的管控力度，在核保、理赔、财务、人事、信息技术等方面实行垂直化管理。在一些增长潜力大的业务领域，公司还将通过建立事业部的方式，整合业务资源，协调步伐，加快发展速度。在巩固和发展现有财产保险和投资业务的基础上，公司积极筹备成立寿险公司和保险资产管理公司，朝着建立金融保险集团的方向发展。三、经营业绩 华泰保险公司自成立以来，保险业务稳健经营，健康发展；投资业务经营业绩突出，在业内居领先地位；公司保持着稳定的盈利和分红水平，为股东提供满意的投资回报。2003年是华泰保险公司实施战略转型,并取得显著成果的一年。公司全年保险业务收入8.47亿元，比上年增长7.08%，投资业务实现收益1.39亿元，投资收益率5.25%，继续保持业内领先。根据公司财务报告，华泰2003年净资产收益率6.53%，税后资本回报率7.52%。截止到2003年12月底，公司总资产为56.49亿元。四、保险业务2003年是华泰在调整中前进的一年。公司坚持专业化经营、质量效益型发展的战略方针不动摇，树立了速度、结构、质量和效益相统一的科学发展观。在变化的市场中保持了清醒的头脑，扎实推进战略转型，取得了明显的成果和良好的经营效益。在个人保险业务方面，公司根据精算结果及时调整核保政策，使车险等业务的风险得到有效管控。在商业保险方面，加强了对承保标的的审核和查勘，对业务的选择更加严格。整体险种结构有所改善，非车险业务同比增长50%，是公司成立以来增速最快的一年；非车险所占比重由上年的37%提高到41%；车险业务本身也进行了结构性调整，效益车型的承保比例提高。公司产品创新步伐加快，完成了意外伤害保险产品、出口产品责任保险产品的开发，推出了更贴近中小商户需求的“商家生意保”，积极开发新一代投资型保险产品。华泰在北京、上海、天津、重庆、南京、广州、西安、成都、沈阳、杭州、昆明、石家庄、深圳、青岛、大连及苏州、佛山、绍兴、烟台、玉溪等城市设有分公司和中心支公司，公司通过严格运营管理制度对分支机构业务实行垂直化管理。五、重大承保项目华泰保险公司是中国航天保险联合体、核保险联合体发起成员。成立7年来，先后承保了多次卫星发射项目与核电项目，显示了公司的实力，提高了华泰的声誉。公司承保了一批有影响的重大工程与财产险项目，包括：北京轻轨、陕京天然气管道工程、苏丹共和国麦洛维水坝、北京CBD财富中心、国华电力、国家烟草专卖局大厦、上海金茂大厦、中国海洋石油总公司石油钻井设备项目、上海浦东钢铁集团、中央电视台直播项目（建国五十周年大庆、 澳门回归、悉尼奥运会等）、上海通用汽车公司等。为了有效规避与分散风险，公司注重与国内保险业同行保持密切联系，逐步建立起大项目、高风险业务的共保合作机制。公司还与国内外许多实力强、信誉好的再保险公司保持着多方位的业务合作关系。六、投资业务 2003年投资市场风险激增，债市波动，股市动荡，公司投管中心准确、及时把握市场脉搏，果断调整投资策略，科学决策，稳健运作，成功规避了市场风险，同时积极寻找获利空间，取得了突出的经营业绩，实现投资收益1.39亿元，投资收益率5.25%，为公司全面完成利润指标做出突出贡献。七、客户服务和对外交流华泰保险公司努力以专业化的水准，协助企业和个人客户识别各类风险，加强防灾防损工作；出险后做到快速、合理理赔，为客户挽回损失。公司开通24小时理赔服务热线电话95509，随时为客户提供理赔报案和业务咨询服务。公司以开放的姿态，积极开展对外交流。员工多批次地参加海外学习培训，公司经常接待国外金融保险企业的来访，与国际许多著名的保险企业开展广泛的业务合作。公司通过多渠道的对外交流，引进先进的管理经验和技术，促进了业务发展和经营水平的提高。八、企业文化建设公司重视企业文化建设工作，提出“培养职业化员工，提供专业化服务”的目标价值观，崇尚制度的权威，用制度培养人、检验人。公司提倡“合作与和谐，规范与创新，信任与交流，开放与包容”的企业氛围，不断提高员工素质，培养专业化服务能力，构建新时期的华泰企业文化。 公司重视从点滴做起，追求可持续发展，努力通过不断的业绩增长，创造出自身更大的价值。通过提高公司的品质，在中国金融市场上树立和提升华泰的品牌形象。 华泰保险公司已形成热心支持社会公益事业的传统，在河北灾区建立华泰希望小学，认养北京金融街绿地，资助全国6所大学贫困大学生，建立“华泰保险绿化基地”，为杭州“雷峰塔”重建赠送保险保障，向重庆285所小学捐赠校方责任保险，以及参与抗击“非典”捐赠等公益活动。公司党委、团委和工会经常组织员工开展登山、植树、旅游、书画、摄影和足球比赛等丰富多彩的业余文化生活，增强员工的凝聚力。An Outline of Huatai Insurance Company of China, Limited in 2003I. Company OverviewThe Huatai Insurance Company of China, Limited, is the first national joint-stock property insurance company in China, and was established in Beijing on August 29, 1996, with a registered capital of RMB 1,333 million. Its 60-plus initial shareholders are principally large financially strong enterprises and enterprise groups, covering 24 industries including petroleum, power, metallurgy, electronics, chemicals, aviation, construction, light industry and shipping. The assets of Huatais shareholders are worth over RMB one trillion.Huatai enjoys excellent financial strength and sufficient repayment capability, and is a leader in the insurance industry in specialized techniques and in risk prevention awareness. It provides trustworthy insurance services for tens of thousands of customers both at home and abroad.Huatai is Chinas first property insurance company that includes a foreign company as one of its shareholders. As a major shareholder and strategic cooperation partner of Huatai, ACE Limited has provided Huatai support and assistance in many areas, enabling Huatai to adapt itself to international standards in both managerial expertise and operational standards.Huatai has subsidiaries in 26 cities across China that provides a network serving major parts of the country.II. Development StrategyIn line with the strategic principle of pursuing specialized operations and seeking development focusing on quality and profitability, Huatai has tried to adjust its insurance product mix, improved its business quality, explored its target market and fostered target customers. Facing an increasingly fierce market competition environment, it has persisted in a scientific development concept and tried to make itself bigger and stronger by relying on making innovations.Through the shareholding of foreign investors, Huatai has further optimized its stock ownership structure, and introduced an advanced managerial concepts and expertise, funds, profess- ionals and other types of strategic resources. It has begun to form new competitive advantages in underwriting option, risk control, qualified management and fast implementation. It will intensify innovations in products, marketing channels, services and management, in order to further uplift its managerial standards and competition capability.In accordance with the principles of specialized division of work, personal responsibility system and flat management, Huatai has gradually instituted and perfected its insurance business managerial structure. It has increased the intensity of managing and controlling its subsidiaries, and exercised vertical management in areas such as insurance verification, claims, financial affairs, personnel and information technology. In a number of business areas with great growth potential, it will realign business resources, coordinate steps and speed up development by setting up business units.On the basis of consolidating and expanding its existing property insurance and investment business, Huatai is energetically preparing for the establishment of a life insurance company and an insurance asset management company, in a bid to move in the direction of building itself into a financial and insurance group.III. Operational PerformanceSince its establishment Huatai has expanded its insurance business steadily, achieved sound development, reported remar- kable operational performance in investment business and become a leader in the insurance industry. It has maintained a stable profit rate and dividend rate, and provided satisfactory investment returns for its shareholders.The year 2003 is the year in which Huatai carried out a shift in its operational strategy and achieved remarkable results. The company achieved a premium revenue of RMB 847 million in 2003, up 7.08% from the previous year and earned an investment return of RMB 139 million, with ROI of 5.25%. As a result, Huatai continued to take the lead in the insurance industry in this regard.In accordance with Huatais financial report for 2003, the ROI hit 6.53%, and after-tax return on capital of 7.52% in 2003. At the end of December 2003, its total assets were worth RMB 5,649 million.IV. Insurance BusinessThe year 2003 is the year in which Huatai forged ahead in the course of adjustment. Huatai did not waver in pursuing the strategic principle of persisting in specialized operation and development focusing on quality and profitability. It set the scientific development concept of integrating the growth rate, structure, quality, and profitability. In an ever-changing market, it always maintained a sober mind and steadily pushed forward a strategic shift in operation, achieving marked results and high operating performance.In personal insurance business, Huatai, based on actuarial results, promptly adjusted its insurance verification policy to bring under control the risks in automobile insurance and other lines of business. In commercial insurance, it tightened the examination, verification and check of underwriting targets, and became even stricter in choosing business. It improved its overall insurance product mix and achieved a 50% increase in its non-automobile insurance business in 2003, which begun the year witnessing the fastest growth since the founding of Huatai. The ratio of non-automobile business jumped from 37% in 2002 to 41% in 2003. Huatai also carried out a structural adjustment of its automobile insurance, increasing the ratio of underwriting profit-making automobiles.Moreover, Huatai quickened the pace of making innovatio- ns in products, completed the development of accident injury insurance products and export product liability insurance prod- ucts, introduced shop package that was closer to the demand of small and medium-sized customers, and energetically develo- ped a new generation of investment-oriented insurance products.Huatai has opened branches and central sub-branches in the cities of Beijing,Shanghai,Tianjin,Chongqing, Nanjing,Guang- zhou,Xian,Chengdu,Shenyang,Hangzhou,Kunming,Shijiazhuang, Shenzhen, Qingdao, Dalian, Suzhou, Foshan, Shaoxing,Yantai and Yuxi. Via strict operating management, it exercises vertical management of its subsidiaries.V. Key Underwriting ProjectsHuatai is one of the creators of both the China Space Insurance Pool and the Nuclear Insurance Pool. Since its establishment seven years ago, it has underwritten many satellite launch projects and nuclear power projects, which has displayed its strength and enhanced its prestige.Huatai has underwritten a number of influential key project and property insurance projects. Included are the Beijing Light Rail, the Shanxi-Beijing natural gas supply pipeline, a huge dam in Sudan, the Beijing CBD Fortune Plaza, the Guohua power project, the office building of the State Tobacco Monopoly Bureau, the Jinmao Tower in Shanghai, the project of the China National Offshore Oil Corporation, the Shanghai Pudong Steel Group, the CCTV live-broadcasting projects (for the celebration of the 50th anniversary of the founding of New China, the return of Macao to the motherland and Sydney Olympic Games, etc.), the Shanghai General Motor Company.In order to effectively ward off and share risks, Huatai has taken great heed of maintaining close relations with its domestic colleagues, and has gradually established a joint insuring cooperative mechanism for big projects and high-risk business. It has also maintained multi-directional business cooperation relations with many financially-strong domestic and foreign reinsurance companies.VI. Investment BusinessThe year 2003 saw a sharp rise in investment market risks, a plunge in the bond market and fluctuations in the stock market. The Huatai Investment Management Center accurately and promptly felt the market pulse, resolutely adjusted its investment tactics, made scientific decisions, pursued steady operations, and successfully warded off market risks. Meanwhile, it vigorously sought profit-making opportunities and achieved prominent operating results. It earned an investment return of RMB 139 million, with ROI at 5.25%. The center thus made great contributions to enabling Huatai to meet its overall profit target.VII. Customer Service and External ExchangesHuatai tries to use specialized standards to help enterprise and individual customers distinguish various types of risks and step up efforts to prevent disasters and damages. It offers customers fast and reasonable claim settlements to help clients reduce losses. It has opened a 24-hour claim service 95509 hotline, to offer customers the service for reporting claims.In an opening-up posture, Huatai actively carries out exchanges with foreign companies. It has organized employees into groups to attend training courses overseas. It frequently receives representatives of foreign financial and insurance companies, and carries out extensive business cooperation with many famous international insurance companies. Through multi-channels of exchanges with foreign companies, it has introduced advanced managerial expertise and skills to promote its business development and the improvement of its operating standards.VIII. Corporate CultureHuatai attaches great importance to efforts to build up corporate culture. It has committed to the value concept of training professional employees to provide specialized services. It observes rules and regulations, and calls for cooperation and coordination, standardization and innovation, trust and communication, open and accomodating. It is determined to develop Huatai culture in the new period by improving staff quality and encouraging development of specialized services.Huatai follows the theory that a big river starts from drops of water and that sustainable growth is a result of continuous efforts. It is determined to maximize value and build its brand through continuous improvement of its performance and through continuous quality improvement.Huatai is committed to supporting public welfare and community activities. It funded the Huatai Hope Primary School in a disaster-affected area in Hebei Province, and volunteered to maintain a green spot in Beijings Jinrong Street. It established a fund to assist poor students in six universities, set up the Huatai Insurance Greening Center and donated insurance to the Lei Feng Tower in Hangzhou, and provided liability insurance to 285 primary schools in Chongqing and to university students in poverty. It also participated in public welfare activities such as the charity show for the fight against SARS. The Huatai CPC Committee, Huatai Communist Youth League Committee, and Huatai trade union organization are all active in organizing exercise activities for staff, such as mountain climbing, tree planting and soccer matches.