非车险经营分析及发展管理举措(非车险部)文档.ppt

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,2014,年非车险经营分析及,2015,年发展管理举措,2015,年,2,月,主要内容,1.,2014,年非车险经营分析,2.2015,年非车险经营目标,3,.2015,年发展与管理举措,1.1,非车险,市场总体情况,2014,年非车险经营分析,主要指标完成情况,业务发展：,截止,2014,年,12,月，我司实现非车险入帐保费,20473,万元，较去年同期增幅,1.14%,；河南行业传统非车险保费,23.71,亿元，同比增量为,2,亿元，增幅,9.23%,，我司慢于行业,8.09,个百分点；市场份额,8.62%,，同比下降,0.68,个百分点。,河南农险保费收入,11.39,亿元，同比增量,-4.07,亿元，增幅,-26.32%,；信用保证保险保费收入,10.14,亿元，同比增量,2.89,亿元，增幅,39.81%,。,3,1.2,各险种发展情况（,12,月底）,各险种对标情况,我司各主要险种中，责任险、工程险快于行业，其他险种均慢于行业，尤其意健险与行业差距很大。工程险连续两年快速发展，在机构的覆盖面也逐步扩大，并且盈利状况良好，已经成为我司保费、利润的新的主要增长点。,险种,2014,年 入账保费,2013,年 同期保费,同比增量,市场份额,同比增幅,行业增幅,行业对标,（百分点）,企财险,7258.39,8023.47,-765.08,9.35%,-9.54%,-2.68%,-6.86,责任险,5396.85,4000.82,1396.03,8.01%,34.89%,15.85%,19.04,货运险,950.59,1030.48,-79.89,9.67%,-7.75%,8.47%,-16.22,意健险,3433.13,4067.46,-634.33,5.99%,-15.60%,21.31%,-36.91,工程险,2865.54,2598.45,267.09,20.31%,10.28%,-7.89%,18.17,合 计,20473,20243,230,8.62,1.14%,9.23%,-8.09,2014,年非车险经营分析,4,1.3,各险种经营结果（,12,月底）,2014,年非车险经营分析,综合成本率,整体非车险综合成本率为,103.5%,，非车险中除意外险目前实质性亏损外，其他险种均保持着很好的盈利性。责任险综合成本率虽为,117.7%,，主要是增幅较高，受准备金影响较大，,2015,年肯定会释放大量利润，目前其实际满期赔付率仅为,31.73%,，近三年的综合满期赔付率也仅为,43.52%,，连续稳定地处于低位，是所有非车险种中发展最快、盈利最好、赔付状况最为稳定的险种（各险种满期见下页）。,单位：万元、,%,非车险,项目,非车险小计,企财险,货运险,意外险,责任险,工程险,保费收入,20472.79,7258.39,950.59,2576.30,5396.85,2865.54,一、营业收入,14206.69,5014.35,548.59,2269.01,3819.81,1177.17,二、营业支出,14710.19,3921.08,521.88,3306.04,4495.75,819.83,三、承保利润,-503.50,1093.27,26.70,-1037.03,-675.94,357.34,综合成本率,103.5%,78.2%,95.1%,145.7%,117.7%,69.6%,其中：综合赔付率,65.9%,46.1%,57.8%,96.9%,76.2%,33.7%,综合费用率,37.6%,32.1%,37.3%,48.8%,41.5%,36.0%,承保利润率,-3.5%,21.8%,4.9%,-45.7%,-17.7%,30.4%,5,1.4,各险种满期赔付率,2014,年非车险经营分析,满期赔付率,传统非车险中企财险期赔付率整体较高且波动较大，人意险随着结构调整，满期逐年大幅下降，满期已经达到盈利水平，其他险类满期赔付率均较低，特别是公司重点推动的责任险及近年快速发展的工程险业务，历年满期赔付率均处于低位，保持着持续稳定的盈利，是我司传统非车险的主要利润来源。,年度 险种,工程险,货运险,企财险,人意险,责任保险,家财险,2012,40.46%,52.15%,55.72%,74.05%,47.97%,58.66%,2013,40.47%,7.11%,77.39%,65.83%,38.76%,40.72%,2014,4.09%,7.72%,110.38%,42.34%,31.27%,55.58%,合计,36.86%,25.12%,74.28%,64.59%,43.52%,39.31%,6,2014,年非车险经营分析,各中支公司,2014,年保费指标完成情况,1.5,各中支发展简要分析,2014,年，共有五家中支完成年初下达指标，完成,80%,以上的机构四家，,50%,的机构进度在,80%,以下；与,2013,年比，实现正增长的有,9,家中支。,截止,2014,年,12,月份非车险入账保费统计,传统非车险,中支名称,累计入账,累计增幅,目标值,完成比例,中支名称,累计入账,累计增幅,目标值,完成比例,周口,743.61,300.11%,380,195.69%,郑州,5295.00,-13.59%,6850,77.30%,信阳,388.64,134.80%,360,107.96%,许昌,713.56,6.85%,930,76.73%,濮阳,962.40,61.75%,900,106.93%,驻马店,374.30,-8.79%,550,68.05%,新乡,1637.58,6.12%,1630,100.46%,南阳,695.44,-22.67%,1050,66.23%,平顶山,1083.45,65.42%,1080,100.32%,洛阳,917.89,0.99%,1600,57.37%,安阳,1707.51,-1.33%,1800,94.86%,三门峡,419.96,-50.86%,750,55.99%,商丘,450.22,75.54%,500,90.04%,漯河,246.11,-40.07%,500,49.22%,济源,370.37,-25.81%,450,82.30%,开封,170.51,-19.79%,350,48.72%,焦作,684.76,19.28%,850,80.56%,鹤壁,224.12,-32.90%,480,46.69%,7,2014,年非车险经营分析,中支公司综合成本率,1.6,各中支综合成本率,2014,年，实现传统非车险盈利的机构有,10,家，亏损的有,8,家；亏损的机构中，有的仅仅是因为一个单子、一个客户的影响，持续高额赔付，造成整个机构的非车险亏损，这类客户将是,2015,年重点调控的目标，不能够实质性改善的，将直接放弃。,截止,2014,年,12,月份非车险综合成本率,非车险小计（含农险）,中支名称,综合成本率,综合赔付率,综合费用率,承保利润率,中支名称,综合成本率,综合赔付率,综合费用率,承保利润率,开封,-23.8%,-56.3%,32.5%,123.8%,郑州,97.3%,56.0%,41.3%,2.7%,新乡,68.1%,30.0%,38.2%,31.9%,安阳,101.3%,52.1%,49.2%,-1.3%,焦作,69.5%,40.9%,28.6%,30.5%,南阳,108.1%,60.4%,47.7%,-8.1%,周口,79.2%,23.8%,55.4%,20.8%,许昌,108.8%,79.1%,29.7%,-8.8%,漯河,81.3%,35.0%,46.3%,18.7%,平顶山,113.5%,61.1%,52.4%,-13.5%,济源,87.3%,57.1%,30.2%,12.7%,濮阳,135.9%,93.5%,42.5%,-35.9%,洛阳,90.9%,51.6%,39.3%,9.1%,驻马店,155.0%,107.8%,47.2%,-55.0%,商丘,92.4%,88.5%,3.8%,7.6%,鹤壁,160.4%,105.2%,55.2%,-60.4%,信阳,96.2%,45.1%,51.0%,3.8%,三门峡,167.6%,132.9%,34.7%,-67.6%,总计,98.7%,59.3%,39.4%,1.3%,8,2014,年非车险经营分析,中支公司满期赔付率,1.7,各中支主要险种满期赔付率,从满期赔付率来看，应该说整个非车险业务品质是比较好的，其中,15,家中支公司的满期都在,50%,以下，满期较高的三家机构都有非常明确的因素；从险种看，三大主要险种，企财险满期相对较高，也是由于一个个案和屈指可数的几个特殊客户的影响。作为衡量业务品质的这一重要指标体现，更加坚定了我们对非车险盈利性的判断。,截止,2014,年,12,月份非车险主要险种满期赔付率,传统非车险,中支名称,企财险,意外险,责任险,整体,中支名称,企财险,意外险,责任险,整体,开封,0.00%,8.16%,6.38%,5.33%,洛阳,27.39%,53.65%,3.34%,31.36%,信阳,0.00%,68.70%,17.87%,12.11%,南阳,18.09%,82.44%,10.43%,32.44%,济源,4.90%,23.80%,16.49%,15.55%,驻马店,7.11%,44.19%,52.25%,32.60%,漯河,0.28%,54.25%,19.96%,18.54%,许昌,11.19%,26.18%,72.65%,37.70%,三门峡,0.00%,9.37%,22.20%,20.79%,商丘,66.08%,21.47%,27.34%,37.91%,鹤壁,3.78%,26.26%,55.57%,26.62%,周口,0.00%,24.08%,57.47%,49.33%,平顶山,76.13%,27.81%,29.03%,28.27%,濮阳,178.55%,23.10%,3.41%,80.19%,焦作,30.89%,72.32%,6.65%,29.19%,安阳,83.08%,61.99%,126.41%,81.68%,新乡,41.27%,44.70%,15.60%,30.38%,郑州,210.84%,46.43%,39.42%,130.27%,总计,102.72%,44.35%,29.59%,63.36%,9,1,.8,各中支责任险发展,2014,年非车险经营分析,中支公司责任险各主要险种保费,单位：万元,机构,承运人责任险,安全生产责任险,责任险,累计保费,2014,年,入账保费,2013,年,入账保费,同比增幅,2014,年,入账保费,2013,年,入账保费,同比增幅,郑州,280.51,272.12,3.08%,2.18,3.71,-41.32%,731.70,分公司本部,0.00,0.00,/,463.75,346.05,34.01%,715.19,新乡,379.71,326.05,16.46%,0.22,21.42,-98.95%,680.31,周口,556.39,7.28,7540.61%,7.04,0.43,1522.31%,657.39,平顶山,109.16,85.10,28.27%,36.08,37.75,-4.42%,369.72,三门峡,32.33,0.99,3174.11%,71.21,96.52,-26.22%,300.02,洛阳,267.99,159.23,68.30%,6.69,10.08,-33.64%,297.74,濮阳,188.85,164.88,14.54%,2.57,8.19,-68.67%,259.30,南阳,106.84,74.06,44.26%,3.23,31.59,-89.78%,224.03,济源,107.63,72.03,49.43%,48.38,42.90,12.77%,221.37,安阳,29.58,22.87,29.34%,9.60,30.01,-68.01%,207.25,许昌,87.35,53.95,61.90%,1.06,0.32,234.59%,201.91,焦作,5.93,3.04,94.74%,54.78,54.78,0.00%,153.98,鹤壁,10.17,4.76,113.79%,52.42,38.34,36.74%,102.06,商丘,57.89,22.16,161.23%,13.41,0.06,23842.86%,90.17,开封,72.42,87.98,-17.69%,0,0,/,86.69,信阳,5.89,7.19,-18.05%,4.72,6.98,-32.46%,41.13,驻马店,9.14,15.15,-39.66%,0.39,5.81,-93.26%,36.38,漯河,0.00,80.97,-100.00%,0.00,14.03,-100.00%,20.50,全省：,2307.79,1459.81,58.09%,777.73,748.96,3.84%,5396.85,10,1,.8,各中支责任险发展,2014,年非车险经营分析,中支公司责任险各主要险种保费,单位：万元,机构,雇主责任险,校园方责任险,责任险,累计保费,2014,年,入账保费,2013,年,入账保费,同比增幅,2014,年,入账保费,2013,年,入账保费,同比增幅,郑州,143.39,0.00,3322977%,91.00,86.73,4.92%,731.70,分公司本部,109.70,46.42,136.32%,1.21,0.00,/,715.19,新乡,38.59,2.35,1542.33%,161.44,150.87,7.01%,680.31,周口,0,0,/,88.23,104.14,-15.28%,657.39,平顶山,27.07,15.71,72.30%,169.82,132.76,27.91%,369.72,三门峡,74.82,0.24,31075.69%,0.67,2.59,-74.31%,300.02,洛阳,7.02,28.22,-75.13%,2.47,2.01,22.81%,297.74,濮阳,54.86,24.57,123.27%,0.00,0.33,-100.00%,259.30,南阳,32.28,3.83,744.03%,71.24,74.71,-4.65%,224.03,济源,1.56,0.80,94.78%,60.54,59.63,1.52%,221.37,安阳,45.57,6.60,590.82%,71.73,69.22,3.63%,207.25,许昌,16.21,178.15,-90.90%,5.62,9.94,-43.41%,201.91,焦作,4.45,2.97,49.62%,65.60,56.46,16.21%,153.98,鹤壁,6.41,8.52,-24.76%,31.98,21.17,51.02%,102.06,商丘,2.42,33.21,-92.71%,0.00,0.27,-100.00%,90.17,开封,1.95,0.34,479.96%,0,0,/,86.69,信阳,5.70,0.66,766.23%,19.60,16.88,16.10%,41.13,驻马店,0,0,/,2.25,0.03,6818.29%,36.38,漯河,17.01,14.75,15.35%,2.24,1.23,82.21%,20.50,全省：,589.02,367.33,60.35%,845.64,788.97,7.18%,5396.85,11,1.8,各中支责任险发展,2014,年非车险经营分析,责任险分析,目前，责任险已经发展为我司除财产险以外的第二大险种，也是各险种在中支公司发展相对均衡的险种。,责任险保费今年已经突破,5000,万，并且持续保持着较快的增长速度，预计二到三年内将超过传统的财产险而成为第一大险种；各中支今年责任险保费超过,200,万元的已经达到,11,家，还有两家过百万；随着“新国十条”的逐步推进与落实，责任险必将有更大的政策推动和广阔的发展空间，各机构要抓住政策机遇，巩固、拓展现有的已经成熟的承运人、安责险、校园方等政府推动业务，努力介入正在推进的环境污染责任险、食品安全责任险、医疗机构责任险等领域，部署、落地汽车延保责任险新的创新业务的发展。,12,主要内容,1.,2014,年非车险经营分析,2.2015年非车险经营目标,3,.2015,年发展与管理举措,2.1 2015,年非车险总体目标,2015,年非车险经营目标,2015,年非车险整体目标：,发展速度快于行业，整体实现盈利，综合成本率低于,90%,；意外险、责任险快于行业，企财险、货运险与行业协调，信用险新领域有突破。,进一步推动与经纪公司的合作，大力推进工程险，尤其河南省内工程险项目，重点鼓励河南省内的市政工程和高速路面工程，力争工程险再次实现正增长。,14,2.1 2015,年非车险总体目标,2015,年非车险经营目标,2015,年非车险,(,农险,),条线目标责任书指标,中支,权重,36,权重,18,权重,20,权重,10,权重,3,权重,3,权重,10,传统非车险,保费收入目标值,农险保费收入,目标值,传统非车险综合成本率目标值,新增重大项目,完成目标,企财险,1,万以上,规模续保率,团意险客户,数续保率,I09,项目,保费收入,安阳,1800,1000,90%,2,家,85%,62%,80,鹤壁,460,180,90%,2,家,85%,62%,20,济源,450,180,90%,2,家,85%,62%,10,焦作,850,500,90%,2,家,85%,62%,60,开封,400,180,90%,2,家,85%,62%,10,洛阳,1700,800,90%,2,家,85%,62%,90,漯河,500,700,90%,2,家,85%,62%,20,南阳,1100,1000,90%,2,家,85%,62%,80,平顶山,1250,500,90%,2,家,85%,62%,60,濮阳,1030,500,90%,2,家,85%,62%,60,三门峡,450,200,90%,2,家,85%,62%,10,商丘,600,600,90%,2,家,85%,62%,40,新乡,1650,500,90%,2,家,85%,62%,80,信阳,420,280,90%,2,家,85%,62%,10,许昌,850,500,90%,2,家,85%,62%,60,郑州,8000,300,90%,2,家,85%,62%,320,周口,700,1000,90%,2,家,85%,62%,40,驻马店,520,300,90%,2,家,85%,62%,30,重客部,3000,0,90%,总计,25730,9220,1080,15,主要内容,1.,2014,年非车险经营分析,2.2015年非车险经营目标,3,.,2015年发展与管理举措,3.1 2015,年发展与管理举措,2015,年发展与管理举措,积极提升参与政府主导项目的力度,凡是政府主导的项目，太保公司根据前期风险的判断，从分公司层面要不同程度的介入，以维护太保品牌在社会上的影响力,强化风险管控，确保盈利底线,实现途径,培训与风险宣导、业务经营品质分析、日常核保把控、合理化再保安排,持续发展推动，力争份额提升,实现途径,加强学习、提升指导水平；分类指导、重点突破；优化考核、压力传导；分散性业务、扎口渠道、大项目齐头并进,总体思路,17,3.2 2015,年发展与管理举措,分险种,2015,年发展与管理举措,财产险主要亏损行业,营业性质,2012,2013,2014,合计,保费,满期赔付率,保费,满期赔付率,保费,满期赔付率,保费,满期赔付率,造纸及纸制品业,131.20,53.52%,247.91,234.1%,419.18,838.66%,798.29,506.36%,印刷包装业,44.26,25.47%,48.35,1,174%,60.37,130.27%,152.98,472.92%,石油天然气,105.20,330.93%,47.38,336.72%,185.18,305.37%,337.76,320.65%,化纤制造业,25.44,167.38%,36.89,196.89%,13.94,38.60%,76.27,167.67%,有色金属压延加工业,75.25,44.45%,16.82,105.08%,24.86,715.18%,116.93,127.38%,钢铁制造业,439.88,83.76%,352.24,196.05%,342.62,66.00%,1,134.75,118.69%,电子设备制造业,340.89,158.88%,310.33,60.15%,349.53,49.20%,1,000.74,100.74%,水泥制造业,250.63,61.81%,191.89,149.56%,185.19,68.30%,627.71,92.70%,食品制造业,294.65,63.76%,196.34,130.72%,235.64,41.75%,726.63,80.11%,合计,1,707.41,103.27%,1,448.14,194.76%,1,816.52,339.22%,4,972.07,198.87%,18,3.2 2015,年发展与管理举措,分险种,2015,年发展与管理举措,财产险各主要行业满期赔付率,营业性质,2012,2013,2014,合计,保费,满期赔付率,保费,满期赔付率,保费,满期赔付率,保费,满期赔付率,住房公寓,117.21,0.00%,115.75,0.00%,127.16,16.87%,360.12,3.59%,烟草制造业,109.61,10.95%,154.33,0.00%,160.53,2.64%,424.46,3.96%,宾馆写字楼,30.44,28.09%,58.01,8.98%,62.72,1.13%,151.16,11.41%,纺织业,163.67,15.50%,153.85,10.35%,141.26,13.04%,458.78,13.02%,危险品仓储业,162.74,7.14%,132.30,29.11%,118.48,0.89%,413.52,14.45%,普通机械制造业,137.16,4.24%,116.31,39.65%,94.69,0.17%,348.16,15.52%,汽车制造业,223.89,8.35%,315.18,14.66%,251.57,44.03%,790.63,16.79%,橡胶制造业,41.19,5.89%,36.33,37.81%,20.08,14.01%,97.60,19.93%,化工产品制造业,481.18,40.97%,385.32,21.89%,506.83,18.43%,1,373.33,28.50%,竹木制品业,36.53,58.37%,43.14,23.87%,41.86,0.00%,121.53,29.75%,服务业,849.52,48.64%,845.25,46.28%,411.33,28.88%,2,106.10,45.21%,信息网络运营业,14.68,0.00%,813.29,46.98%,14.58,0.00%,842.55,45.82%,电力能源,2,207.30,49.20%,2,053.07,68.43%,2,177.51,30.71%,6,437.88,49.81%,总计,7,352.02,58.17%,8,048.79,76.67%,7,281.76,102.72%,22,682.57,76.43%,19,3.2 2015,年发展与管理举措,分险种,2015,年发展与管理举措,财产险各主要行业满期赔付率,营业性质,2012,2013,2014,合计,保费,满期赔付率,保费,满期赔付率,保费,满期赔付率,保费,满期赔付率,建筑业,38.01,22.32%,240.03,70.64%,191.34,33.25%,469.39,54.39%,医药制造业,96.12,24.12%,86.74,117.73%,89.86,23.06%,272.71,55.82%,金属产品制造业,88.28,39.81%,80.45,44.66%,90.34,156.69%,259.07,77.44%,食品制造业,294.65,63.76%,196.34,130.72%,235.64,41.75%,726.63,80.11%,商业批发零售业,309.76,193.40%,315.23,24.80%,469.18,17.78%,1,094.17,81.09%,水泥制造业,250.63,61.81%,191.89,149.56%,185.19,68.30%,627.71,92.70%,电子设备制造业,340.89,158.88%,310.33,60.15%,349.53,49.20%,1,000.74,100.74%,钢铁制造业,439.88,83.76%,352.24,196.05%,342.62,66.00%,1,134.75,118.69%,有色金属压延加工业,75.25,44.45%,16.82,105.08%,24.86,715.18%,116.93,127.38%,工程机械,82.14,39.53%,248.97,198.35%,149.98,69.35%,481.09,137.91%,化纤制造业,25.44,167.38%,36.89,196.89%,13.94,38.60%,76.27,167.67%,石油天然气,105.20,330.93%,47.38,336.72%,185.18,305.37%,337.76,320.65%,印刷包装业,44.26,25.47%,48.35,1,173.96%,60.37,130.27%,152.98,472.92%,造纸及纸制品业,131.20,53.52%,247.91,234.08%,419.18,838.66%,798.29,506.36%,总计,7,352.02,58.17%,8,048.79,76.67%,7,281.76,102.72%,22,682.57,76.43%,20,3.2 2015,年发展与管理举措,分险种,2015,年发展与管理举措,风险管理,一、建立业务品质分析和跟进机制,1.,每个季度提取承保理赔数据，分行业、机构、企业规模等维度进行分析，了解河南地区行业风险状况，以及各机构财产险类业务经营特点，用于指导平时财产险核保。对于高风险，但是保费贡献率较低的行业，提高承保条件，改善财产险整体赔付状况。,2.,加强和理赔部门的联系，建立常态化的业务交流，及时了解常规业务业务的出险、赔付动态。,财产险风险管理,21,3.2 2015,年发展与管理举措,分险种,2015,年发展与管理举措,二、承保风险管控,提高风险查勘覆盖率，充分利用免赔杠杆，改善承保条件。尤其关注造纸、纺织、化工、电子制造等行业风险。过滤低保费、大赔付保单，同时，加强营业性质准确性审核，保证数据的真实性。,财产险风险管理,22,3.2 2015,年发展与管理举措,分险种,2015,年发展与管理举措,三,、制定并下发财产险类业务出单细则,针对部分中支非车险出单水平欠佳情况，为了减少业务反复提交情况，制定出单注意事项，加强和中支沟通，协助中支提高出单水平。,四,、结合,2014,年度审计部门发现的问题，提高承保合规要求。,五,、加强承保工具应用,充分利用我司报价系统、非水险分析系统、承保管理系统，引导中支对业务基本信息的收集；加强业务往来资料归档工作，根据中支机构和行业等标识建立电子版和纸质版档案，方便查询和业务分析。,财产险风险管理,23,3.2 2015,年发展与管理举措,分险种,2015,年发展与管理举措,发展推动：,一、大项目：,借力承保工作的培训及梳理，使承保环节更顺畅、高效，做好项目的支持、服务工作；,加强对大项目的跟踪管理，及时总结大项目承保经验与不足。,二、中小客户：,利用“财富,U,保”转型项目的新包装方式，借助总公司已推出且即将新推的食品加工行业、服装加工行业的产品，推广“财富,U,保”,APP,的使用，采取现场专项培训的形式，重点推动，挖掘新增客户类型。,三、渠道发展：,借助银行这一非车险传统渠道，充分利用银行信贷杠杆和客户资源，促进企财险优质业务的发展。,财产险发展举措,24,3.3,2015,年发展与管理举措分险种,2015,年发展与管理举措,责任险各主要险种近三年业务品质,满期赔付率,承运人,责任险,安全生产责任保险条款,雇主,责任险,校园方,责任险,产品责任险,公众责任险,合计,2012,33.25%,0.00%,45.02%,72.21%,16.25%,66.75%,43.43%,2013,19.11%,15.65%,64.94%,70.83%,83.38%,48.90%,37.80%,2014,15.37%,4.68%,59.67%,65.23%,35.76%,50.99%,28.04%,合计,22.43%,8.94%,54.58%,70.06%,45.45%,54.22%,36.27%,25,3.3,2015,年发展与管理举措分险种,2015,年发展与管理举措,风险管理：,结合,2014,年责任险业务经营情况，制定差异化核保策略：,一、鼓励承保往年赔付情况较好的业务，限制性承保赔付较差且保费规模小的业务。,二、分险种制定保费计算工具。,三、对承运人、校园方、安责险三大业务板块持续跟踪承保、赔付动态，密切关注经营状况和市场动向。,四、吊装责任险、物业责任、机动车停车场责任：规模较小，出险率较高，进行重点调控。,五、医疗机构责任险：关注协商的赔偿责任确定方式和承保限额,责任险风险管理,26,3.3,2015,年发展与管理举措分险种,2015,年发展与管理举措,发展推动：,一、业务发展：在传统责任险发展的基础上，重点拓宽政府主导责任险项目的参与以及创新型产品的推动,政府主导项目：在,2014,年的基础上至少增加,1,个项目，目标为环境污染责任险、食品安全责任险、特种设备责任险；对已参与的项目提升参与深度，尤其是承运人责任险、校园方及安责险；跟紧市场动向，重点引导部分机构参与跟进，重点支持。,创新型业务：重点跟进汽车延保项目，通过机构一对一的形式跟进推动。,责任险发展推动,27,3.3,2015,年发展与管理举措分险种,2015,年发展与管理举措,二、技术及业务技能支持,完善展业工具；规范业务处理流程，简化业务处理程序；普及展业工具及管理系统使用方法，充分利用系统工具，从而指导业务发展。,责任险发展推动,28,3.4 2015,年发展与管理举措,分险种,2015,年发展与管理举措,意健险满期赔付率,意健险历年满期赔付率趋势,2014,年各职业类别满期赔付率,一类,二类,三类,四类,五类,六类,七类,合计,2010,38.33%,59.34%,83.69%,55.66%,53.26%,50.61%,90.96%,52.47%,2011,41.15%,55.70%,56.49%,111.65%,74.40%,21.39%,82.69%,64.17%,2012,54.38%,38.61%,62.81%,95.12%,109.17%,47.71%,3.52%,73.66%,2013,33.51%,43.44%,58.30%,52.13%,124.62%,62.58%,2.97%,66.69%,2014,36.71%,69.22%,33.06%,49.92%,56.90%,8.20%,8.36%,44.15%,合计,42.05%,51.56%,60.93%,75.88%,98.94%,40.46%,22.84%,63.11%,29,3.4,2015,年发展与管理举措分险种,2015,年发展与管理举措,风险管理,1、,由于家庭人意险不分工种类别，建议控制家庭人意险的承保；,2、,加强对个意险保单的核保管控，特别是不好界定风险的农民，依分类表是二类，但由于农民季节打工的特点，建议全辖统一把农民工按四类职业投保，提高保费的充足性。,3,、加大对意外险分散型业务的拓展，特别是效益特别好的君安驾、驾校学员、借款人意、旅游类等业务。,意健险风险管理,30,3.4,2015,年发展与管理举措分险种,2015,年发展与管理举措,发展推动：,1、,持续推进分散型业务拓展，加大个意险类、旅游类、借款人意、驾校学员意外险、尤其是,车驾意,等分散型业务保费占比，保证业务质量的稳定性。,2、,继续推进我司专属卡单,“,中原君泰,”、“,中原无忧,”,的销售，力争年保费规模过千万；动态关注报案及赔付情况，适时调整业务政策。,3、,尝试与第三方网站的合作，尝试、培养我司线上销售模式,意健险发展推动,31,谢谢,THANK YOU,32,