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吴敏:做再保险的"匠人" 我无怨无悔

发布时间: 2020年01月07日浏览次数:

CAIFANGSHIJIAN:2017NIAN7YUE28RI

CAIFANGDIDIAN:ZHONGGUOZAIBAOXIANDASHA

人物小传

  WUMIN,1954NIAN5YUECHUSHENG,1978NIANBIYEYUBEIJINGWAIGUOYUXUEYUAN,RUZHIYUYUANZHONGGUORENMINBAOXIANGONGSIJIHUACAIWUBU,HOUDIAORUZAIBAOCHU。1986NIANQIRENZAIBAOBUFENCHUYEWUCHUFUCHUZHANG、CHUZHANG;1996NIANZHONGBAOZAICHENGLIHOU,LIRENBANGONGSHIFUZHUREN(ZHUCHIGONGZUO)、JIHESHENJIBUZONGJINGLI、GUOJIYEWUBUZONGJINGLI、CUNXUBUZONGJINGLIDENGZHI。2009NIAN5YUETUIXIU。

从零开始做再保险业务

  问:吴总,您在文革期间就读了大学,当时是推荐选拔入学么?毕业后是如何与再保险结缘的?

  WUMIN:1974NIANWOCONGZHIQINGZHONGBEIXUANBACHULAISHANGDAXUE,ZAIBEIJINGWAIGUOYUXUEYUANDUYINGYUZHUANYE,BIYEHOUFENPEIDAODANGSHIGUOJIACAIZHENGBUXIASHUDEZHONGGUORENMINBAOXIANGONGSI(DANGSHIHAISHIYINXINGWAISHIPIANDEYIGECHUJIBIANZHI)。NEISHIBAOXIANYEWUBINGMEIYOUHUIFU,GUOWAIYEWUYEXIANYOUSHEJI。RUZHIZHIQIAN,WODUIBAOXIANMEIYOURENHEGAINIAN,YINWEIWENGEQIJIANGUOJIAYOUGUANBAOXIANDEYEWUJIHUQUANBUTINGBAN,ZHIBAOLIULEYIBUFENGUOJIFENBAOYEWU。

  CHURUBAOXIANXINGYESHI,WOZAIJIHUACAIWUBUZUOFENBAOYEWUDETONGJIGONGZUO,XUEDAOLEHENDUODONGXI,WEIJINHOUCONGSHIZAIBAOXIANYEWUGONGZUODAXIAYIGEHENHAODEJICHU。1979NIANBAOXIANYEWUHUIFUZHIHOU,GONGSIWEILERANGZHEIPINIANQINGRENCHONGSHIJINGJIFANGMIANDEZHISHI,BAWOMENPAIDAOWUDAOKOUJINRONGXUEYUANXUEXILEYINIAN,ZHUANGONGYINXINGXUE、HUOBITONGJIXUEHEBAOXIAN。CONGNEISHIQIWOCAIKAISHIXITONGDIXUEXIYOUGUANBAOXIANHEZAIBAOXIANDELILUNZHISHI。

  1980NIAN,SUIZHEGUOJIADEGAIGEKAIFANG,GUOWAIYEWUDEFENBAOYEWULIANGZAIBUDUANDIJIADA,YUANLAIZAIBAOBUMENFUZEFENCHUYEWUDERENSHOUMINGXIANBUZU,1982NIANWOCONGJICAIBUDIAODAOZAIBAOCHU,KAISHIDESHIHOUSHIZUOFENCHUHETONG,HOULAIZUOCAICHANXIANDELINSHIFENBAOXIANGMU,ZAIHOULAIJIUZUOJIAOHUANYEWU,JITONGGUOWOMENBAOFEIDEFENCHU,HUANHUIYIXIEDUIDENGDEGUOWAIYEWU,YIBAOZHENGWAIBIDESHOUZHIXIANGDUIPINGHENG。

WEIYUXIJIAOMINXIANGDEBANGONGSHI

  问:改革开放初期,再保险对国家经济发展建设起到什么作用,请您给我们介绍下。

  WUMIN:DANGSHIGUOJIAJIHUAJINGJIZHIWAIDEBAOZHANGDOUSHIYOUBAOXIANGONGSICHENGDANDE,ERZAIBAOXIANDESHOUYAOZHIZESHIWEIZHIBAOYEWUTIGONGBAOZHANG,WEIZHIJIEBAOXIANKUODACHENGBAONENGLI;TONGSHI,ZUOWEIGUOJIADUIWAIKAIFANGDECHUANGKOU,ZAIBAOXIANYAOYUGUOJIJIEGUI,LEJIEGUOJISHICHANGDEBIANHUAHEZUOFA;LINGWAI,TONGGUOZAIBAOXIANTUJINGWOMENYEWEIGONGSIDERENCAIDAOGUOWAIPEIXUNHEXUEXIKAIPILETONGDAO。

  ZAIBAOCHUDANGSHISHIRENBAOGONGSICHULEYINGYEBUZHIWAIDIERDADEYEWUBUMEN,YOUWULIUSHIREN,BAOKUOFENCHU、FENRU、ZONGHEHECAIWUJIGEKESHI,BUMENLINGDAOSHIZHUYUANREN。WOMENZHEIXIERENFEICHANGREAIZAIBAOXIANZHEIXIANGGONGZUO,YINWEIZAIBAOXIANSHIFEICHANGYOUZHISHIHANLIANGDERENCAIMIJIXINGXINGYE,WOMENSUOJIECHUDAODEYEDOUSHIZHUANYEDERENCAI。DANGSHIDAIWODESHIFUSHUO:WOMENZUOZAIBAOYEWU,SUODAIBIAODEBUJINSHIZIJIHUOZHEZHEIGEBUMEN,ERQIESHIZHENGGEGONGSINAIZHIGUOJIA;YINWEIWOMENDANGSHISHIGUOJIAWEIYIDEZAIBAOXIANCHUANGKOU,YESHIZHONGGUOGAIGEKAIFANGDEYIGECHUANGKOU,SUOYI,DAJIAZUOYEWUDESHIHOUDOUBAOZHEWEIGONGSIZUOHAOYEWU、WEIGUOJIAZHENGGUANGDEXIANGFA。

  问:请问您最开始做对外业务的时候顺利吗?遇到什么困难和问题了吗?

  WUMIN:DANGSHIZHONGGUOSHICHANGGANGGANGKAIFANG,DUIWAIDEYEWULIANGJINGUANBUSHIHENDA,DANDOUSHIYOUZHIDEYEWU,HENDUOSHIWAIZIZAIZHONGGUOTOUZIDEXIANGMU,GEFANGMIANDEGUANLIDOUBIJIAOHAO。SUOYIZAIZUOYEWUDESHIHOUWULUNSHIYILINFENXINGSHIHAISHIYIHETONGXINGSHIFENCHU,JIBENDOUBIJIAOSHUNLI。

  WOMENDANGSHIDEWENTIBUZAIYUYEWUBENSHEN,ERZAIYUGUANLIFANGMIANDEQIANQUE。DANGSHI,DIANNAOXITONGMEIYOUSHANGXIAN,QUANBUYEWUDANJUKAOSHOUGONGDENGLU,ZHIJIEBAOXIANZAIZUOYEWUDESHIHOU,YOUXIEYEWUDECHUDANSHIGEGESHENGSHIFENGONGSI,SHUJUBUNENGJISHIHUIZONG,BUNENGZHUNQUETONGJI,YOUSHIJIUBUNENGJISHIJIEDAWAIFANGDEWENTI。

  BIRUSHUOCAICHANXIAN,ZAIZUOFENCHUDESHIHOUKEHUHUIWENWOMENZERENLEIJIDAODIYOUDUODA。ERZERENLEIJIBUSHISHUOCAICHANXIANZUIGAOXIANESHI1000WANMEIYUAN,ERSHICAICHANXIANXIAMIANHAIFENHENDUOBUTONGDEXIANZHONG,LIRUJISUNXIAN、LIRUNSUNSHIXIAN、ZONGHEZERENXIANDENG,YIGEBAODANXIAMIANKENENGDOUHUIYOUZERENLEIJI,WOMENXIANCHANGCHUDANDETONGSHIMEIYOUZHEIGEGAINIAN,ZHITIANXIEYIGEXIANXIANE,WOMENBIXUXUNWENJIESHI,FOUZE,JIUWUFAJIEDAKEHUDEWENTI。HAIYOUYIDIANJIUSHIZUCHENGHETONGDEWENTI,SUIZHEYEWULIANGDEFAZHAN,LINFENYEWUYIJINGMANZUBULEYEWUFAZHANDEXUYAO,YUSHIJIUYAOZUZHIYIXIEHETONG,ERZAIZUZHIHETONGDEGUOCHENGZHONG,SHUJUDESHOUJIYESHIHENDADEWENTI。

BUMENTONGSHIHEYING

对外建立友好关系

  问:您在做分保业务时,遇到过什么重大的赔付案件吗?给我们分享一下吧。

  WUMIN:1990NIAN,SANJIAFEIJIZAIGUANGZHOUBAIYUNJICHANGHAIWEIQIFEIJIUFASHENGLEPENGZHUANG,SANJIAFEIJIQUANBUSHOUSUN。ZHEISANJIAFEIJIDOUSHIRENBAOCHENGBAODE,WOMENZAIBAOBUDUIWAIFENBAO。DANGSHIWOMENFENBAOSHICHUXIANLEYIGESHIWU,JIUSHIGAIYEWU10YUE1RIHETONGQIQI,ERZHEIGESUNSHIFASHENGZAI10YUE2RI,DANZAIGUOQINGQIJIANJINGBANDERENYUANHAIMEIYOUWANQUANQUERENHETONG,ZHEIJIUXIANGDANGYUFENBAOYEWUDEHETONGMEIYOUQIANCHENG,YINCIZHEIXIANGYEWUHENKENENGHUIBEIKEHUJUJUE。DANGSHIGONGSIJIUZUZHILELINGDAODAIDUIDAOLUNDUNQUZUOGONGZUO,ZUIHOUWOMENYIGONGSIDEQIANGDAXINYUJIZAISHICHANGSHANGDEFAZHANQIANJINGHEQIANLIZUOWEITIAOJIAN,CHENGGONGSHUOFULENEIJIAWAIGUOGONGSI。

  ZHONGGUORENYOUJUHUAJIAOHUANNANJIANZHENQING,RUGUONENGZAIHUANNANZHONGBANGBIERENYIBA,DUGUONANGUANHOURENJIAKENDINGHUIMINGJIYUXIN。QISHIJIUDANGSHIDEQINGKUANGKAN,CONGJISHUJIAODUJIANG,NEIJIAWAIGUOGONGSIWANQUANYOULIYOUJUJUE,DANSHIZUIHOUHAISHIBEICHENGGONGSHUOFULE。SHENXIZHONGTONGZHIHUILAIHOUYUWOMENMIAOSHULEZHEIGETANPANGUOCHENG,WOYEQUESHITINGGANDONGDE,GANJUENEISHIHOUZHONGGUOZAIGUOJISHICHANGSHANGHENYOUXINYUHESHUOFULI。

CANJIAGUOJIHUIYI

  问:您后来去英国学习先进的再保险业务,请给我们讲讲这段进修的经历吧。

  WUMIN:1992NIAN,WOBEIRENBAOPAIDAOLUNDUNJINXIU,DAOYIXIEGUOWAIDEDAGONGSIXUEXI。DANGSHIGONGSILINGDAOYOULIANGGEXIANGFA:YISHIYAOPEIYANGGUONEIGUOWAILIANGQIDEYEWURENCAI;ERSHIYAOQUXUEXICHAOPEIYEWUDEZUZHIHEGOUCHENG。

  HUIXIANGZAIGUOWAIXUEXIDEGUOCHENG,RANGWOTEBIEGANDONGDESHIZAIDANGDIFEICHANGSHOUHUANYINGHESHOUZHONGSHI。TONGCHANGLAIJIANG,WAIGUOGONGSIDEMENJINHENYANGE,JINMENXUYAODENGJI,WODANGSHIXIANGQUYIJIAWAIGUOGONGSIQINGJIAOWENTI,QIANTAIRENYUANJIUHUINAQIDIANHUASHUO“RENBAODEWUNVSHILAIZHAONI”,ERDUIFANGDOUHUIPAIMISHUQINZILAIJIE。DANGSHIWOZHISHIGEFUCHUJI,DANSHIWAIGUOGONGSIHUIRENWEIWOSHIDAIBIAORENBAOZUOFENCHUYEWUDE,SUOYIJIBENDOUBUYONGYUYUE,ZHISHIDAGEDIANHUAJIUKEYILE。DEYIYUGUOJIADELILIANGHEWOMENGONGSIZAIGUOJISHICHANGSHANGDELIANGHAOPINPAIHEYINGXIANG,WOZAIGUOWAIXUEXISHIGANJUEFEICHANGSHOUZUNZHONG,SUOYIWONEISHIHOUTEBIEJIAOAO,YEDUIGONGZUOCHONGMANJIQING。

全面开拓商业分保市场

  问:1996年中保再开始独立经营,作为亲历者,请您与我们分享一下对这段历史的记忆。

  WUMIN:1996NIANYUANZHONGGUORENMINBAOXIANGONGSIGAIZHIWEIZHONGGUORENMINBAOXIAN(JITUAN)GONGSI,XIASHEZHONGBAOCAI、ZHONGBAOSHOUHEZHONGBAOZAISANJIAZIGONGSI。DANGSHIZHONGBAOJITUANHAICUNZAI,ERZHEISANJIAGONGSIDOUSHUYUZHONGBAOJITUANDEZHUANYEZIGONGSI,FENYEJINGYING。

  ZHONGBAOJITUANFENJIASHIYOUWENJIANMINGQUEGUIDING,SUOYOUYUZAIBAOXIANXIANGGUANDEYEWUHEGUONEIFENCHUYEWUDOUYINGGAIYOUZHONGBAOZAIDUIWAIBANLIFENBAOHEGUANLI。DANSHI,ZHONGBAOCAI、ZHONGBAOZAIHEZHONGBAOSHOUCHENGWEIBUTONGDELIYITIZHIHOU,XIONGDIGONGSIRENWEIZAIBAOXIANYEWUDUITAMENLAISHUOYESHIYIGEHENHAODEDUIWAICHUANGKOU,ZIJIYENENGGOUZHANGKONG,SUOYIJIUBUXIANGBAZHEIBUFENYEWUQUANXIANJIAOJIZAIBAOGONGSI。DANGSHIWOSHIZUOFENCHUYEWUDE,KESHIRENBAOBAFENCHUQUANSHOUHUIZHIHOU,WOMENJIUBIXUZHUANBIANZHINENG、ZHUANBIANGUANNIAN。RUGUOWOMENBUZHUANBIANGUANNIAN、BUGAIBIANZIJIDEZHINENGDINGWEI,WOMENJIUHUIMIANLINZHEBEIXIANZHIQILAIDEKUNJING。

  DANGSHIDEFENCHUYEWUBUJUJILEZAIBAOGONGSIYIPIYOUXIUDENIANQINGREN,BAOKUOYIXIEBIJIAOJIANDUANDEYEWUGUGAN,ERQIEDABUFENDOUSHIZIJIPEIYANGDESHEWAIGANBU。ZHENDUIZHEIZHONGKUNJING,GONGSIZHAOKAILEDUOCIHUIYI,YEZUOLEXIANGGUANYANJIU。HOULAIDABUFENTONGSHIZHUANBIANLEGUANNIAN,KAISHIXUNZHAOXINDESHICHANGJIHUI。WOMENZHUDONGYUXIONGDIGONGSIFENXIANGFENCHUYEWUSHANGDECHENGSHUJINGYAN,WOCENGCHOUCHUYIGEYUESHIJIANDAOZHONGBAOCAI,QUANZHIDIBANGZHUXINCHENGLIDEZAIBAOBUMENDENIANQINGREN。WOMENDANGSHIXIANGFASHI:YUQIRANGWAIGUOGONGSIQUBANGZHUTAMEN,HAIBURUWOMENZIJIQUBANG,ZHEIYANGJIUNENGJIANLILIANGHAODERENJIWANGLAIHEYEWUGUANXI,ERQIEWOMENDEYIXIEYEWUFANGMIANDESILUHEZUOFAKEYIZAISHICHANGCHUANDIXIAQU,ZHEIDUISHUANGFANGBUSHIWEIYIJIANHAOSHI。

  问:请问在成立初期,中保再在拓展业务方面有哪些措施?

  WUMIN:DIYIGEJUCUOJIUSHIYAOMIANXIANGSHICHANG,DIAOZHENGXINTAI,DIAOZHENGJIEGOU,ZHENGQUGUANGFANSHEJIGUONEIGUOWAIYEWU,SUOYIDANGSHIFENCHUYEWUBUGENGGAIWEIGUONEIYEWUBU,HOULAIYOUGAIWEICAICHANXIANBU。JINGGUODIAOZHENGQUEDINGLEGONGSIHEGEZHINENGBUMENDESHICHANGDINGWEI。

  DIERGEJUCUOSHICHENGLISHOUXIANBU。DANGSHISHICHANGSHANGYIJINGCHUXIANLEJIJIASHOUXIANGONGSI,TEBIESHI1996NIANYIHOU,XINHUA、TAIKANGLUXUCHENGLIHOU,RENSHENBAOXIANDEZHUTIZENGDUO,YINCIGONGSIQUEDINGLEYAOLIYONGGUONEIYEWUHEGUOWAIYEWUJIJITUOZHANSHOUXIANSHICHANGDEFANGZHEN,ZHEIYESHIGONGSIZAIZUZHIJIAGOUSHANGDEYIGEDIAOZHENG。

  DISANGEJUCUOSHIGUANNIANDEZHUANBIAN。DANGSHIZAIBAOGONGSIBUJINJINSHIZAIJIGOUSHANGGAIMING,HAIZAIGUANNIANHEYONGRENSHANGDOUYOUSUOGAIBIAN。DANGSHICAIXIANBUCAIQULEJINGPINSHANGGANGDEFANGSHIQUEDINGZONGJINGLIDERENXUAN,ZHEIYECHENGWEIGONGSIGAIGEDEZHONGYAOCUOSHI。

  DISIGEJUCUOJIUSHICHENGLIFENGONGSI。1999NIANZHONGGUOZAIBAOXIANGONGSICHENGLIHOU,WEILEGENGHAODIKAITUOSHICHANG,ZAISHENZHENHESHANGHAICHENGLILELIANGGEFENGONGSI,SHIJISHIDAQUYEWUGUANLI。CHENGLIFENGONGSISHIWEILEGENGHAODIZHIJIEFUWUYUZAIBAOXIANJIESHOUREN,JITAMENTIGONGMIANDUIMIANDEFUWU。JIANLIFENGONGSISHIZHONGZAIZHUANXINGHOUYIGEHENZHONGYAODEJUCUO,ZAIZUZHIJIAGOU、RENYUANDEPINYONGHEJIGOUSHEZHIDENGFANGMIANDOUZUOCHUHENDADEDIAOZHENG。

  ZAIBAOXIANDETEDIANSHISHIJIEXINGDE,BUGUANZAIGUONEIHAISHIGUOWAI,DOUHUISHOUDAOGUOJISHICHANGBODONGDEYINGXIANG。TAHEGUPIAOSHICHANGYIYANG,DANGCHUYUMAIFANGSHICHANGDESHIHOU,JIUDUIMAIFANGYOULI,ERSHICHANGDAODIGUDESHIHOUJIUDUIMAIFANGYOULI。YINCI,ZUOZAIBAOXIANYEWUJIUXUYAOWOMENSUISHIGENJUSHICHANGBODONGLAIDIAOZHENGDINGWEIHEJINGYINGCELVE,WOMENDESIXIANGHENKAIFANG,JINGENXINGSHI。

ZUZHIZHONGZAINVGONGWEIYUANHUIGONGZUO

坚信中再能办成百年老店

  问:请问您对中再的发展和中再人有什么期待和寄语?

  WUMIN:XIANZAIGONGSIFAZHANDEHENHAO,SHILIZAIBUDUANDIJIAQIANG,DUIWUYEZAIBUDUANDIKUODA,RENYUANDOUCHONGMANLEHUOLI。WORENWEIZHONGZAIYINGGAIZAIYUGUOJISHICHANGJIEGUIHEJISHULIANGFANGMIANXIAGENGDADEGONGFU。DANGQIANZHONGZAIZAIXIANGGUOJIHUAFAZHANFANGMIANQUDELEHENDAJINZHAN,WEILAIHAIXUYAOBUDUANNULI,XIANGGENGJIAZHUANYEHUADELINGYUMAIJIN。CONGGUOJISHANGLAIKAN,HENDUODEGUO、YINGGUOHEFAGUODEZAIBAOXIANGONGSIFEICHANGZHUZHONGSHENGENGZHUANYEHUA,DUIZHENGGEZAIBAOXIANLINGYUDEFAZHANYOUQINGXIDELEJIE,YEDOUYOUYIPIJUYOUJISHINIANGONGZUOJINGYANDEDAITOUREN。YINCI,ZHONGZAIZAIFAZHANGUOCHENGZHONGYEXUYAOPEIYANGYIPIDONGZHUANYE、REAIGANGWEIBINGQIENENGGOUZAIYEWULINGYUZHIZHEZUANYANDERENCAI。

  WOCONG1978NIANKAISHIZUOZAIBAOXIANYEWU,JISHINIANLAI,WOZUOGUOGUONEIYEWUYEZUOGUOGUOWAIYEWU,ZUOGUOFENCHUYEWUYEZUOGUOFENRUYEWU;CONGCHENGBAODAOLIPEI,CONGFENGONGSIDAOZONGGONGSI,DOUSHIYIXIANGANGWEI。WULUNZAINAGEGANGWEISHANGWODOUYISIBUGOUDINULIGONGZUO,RENZHENBAGUAN,YI“JIANGREN”DEJINGSHENYAOQIUZIJI,YINGXIANGSHENBIANDETONGSHI,YIBUYIGEJIAOYINDIZAIZAIBAOXIANSHIYEQIANXINGDEDALUSHANGXINGZOULESANSHIDUONIAN,WOWUYUANWUHUI。WOXIWANGZHONGZAIJITUANNENGGOUBUDUANFAZHANZHUANGDA,ZAIZIJINSHILIHERENCAIPEIYANGFANGMIANNENGGOUGENGSHANGYICENGLOU,ZHONGXINXIWANGZHONGZAIJITUANNENGGOUCHENGWEIYIJIABAINIANLAODIAN。

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