环球体育官网在线


袁素珍:经历大接大赔的时代 开辟法定与商业分保业务

发布时间: 2020年01月07日浏览次数:

CAIFANGSHIJIAN:2017NIAN7YUE21RI

CAIFANGDIDIAN:ZHONGGUOZAIBAOXIANDASHA

人物小传

  YUANSUZHEN,1952NIAN12YUESHENG,1974NIANBEITUIJIANDAOBEIJINGDAXUEXIBANYAYUZHUANYEXUEXI,1978NIANBIYEHOUJINRUDANGSHIDEZHONGGUORENMINBAOXIANGONGSIZAIBAOXIANCHUGONGZUO,XIANHOUCONGSHIZHANGDAN、GUOJIZAIBAOXIANHEFADINGFENBAODENGYEWU。1996NIANBAOXIANFENYEJINGYINGSHI,LAIDAOZHONGBAOZAIBAOXIANGONGSIGONGZUO,LIRENFADINGFENBAOCHUFUCHUZHANG、CHUZHANG,GUONEIFENBAOCHUCHUZHANG、GUOJIYEWUBUZONGJINGLIZHULI、ZHONGZAICHANXIANXINXIBUZONGFUHEDENGZHIWU,2007NIAN12YUETUIXIU。

见证“大接、大赔、大赚”的时代

  问:袁总,我们听说您大学学的西班牙语,毕业后是如何从事再保险工作的?请您给我们讲讲与再保险结缘的过程吧。

  YUANSUZHEN:1974NIAN,WOBEITUIJIANDAOBEIJINGDAXUEXUEXIXIBANYAYU,1978NIAN1YUEBIYEHOUJIUFENPEIDAODANGSHIDEZHONGGUORENMINBAOXIANGONGSIGONGZUO,ZHUYAOSHIGUOJIYEWUXUYAOWAIYURENCAI。ZUICHUGENSUIZAIBAOCHUDELAOQIANBEICONGSHIZHANGDANGONGZUO,DANGSHIDOUSHISHOUGONGRUZHANG,YONGSUANPANJISUAN,FEICHANGYUANSHI,SHAOBULIUSHENJIUKENENGNONGCUO。MEINIANHUIZONGSUANDAZHANGDESHIHOUGENGWEIJIANNAN,YAOBAGONGSIQUANNIANDEZAIBAOXIANYEWUYONGSUANPANYIBIYIBIHUIZONGQILAI,LISHISANGEYUE。NEIDUANRIZILI,YANJINGLISHIZHANGDANSHANGYIXINGXINGDEXIAOZI,ERDUOLIDOUSHIPILIPALADESUANPANSHENG,YITIANXIALAIMANNAOZIDOUSHISHUZI,ZUOMENGDOUSHIZAISUANZHANG,MENGJIANZHANGMUZUOBUPING,YIZHEJIJIUHEXINGLE。

  问:您做了几年账单工作,后来是怎么走上业务岗位的?

  YUANSUZHEN:WOZAIZHANGDANZUGONGZUOLESANNIANZUOYOU,DAGAICONG1981NIANKAISHIZUOYEWU。ZUICHUZUOLINFENYEWU,FUZEZAXIANBUFEN。

80NIANDAIZAIBAOBUCHUXIWANHUI

  MEITIANZAOSHANGWOMENZHUOZISHANGJIUFANGZHEYIDALUOYEWUCAILIAO,NEISHIWOMENDEYEWUFANWEIHENGUANG,SHENMEXIANBIEDOUYOU,BIRUBAOBOJUEFURENSHIZONG、BAOWUDAOYANYUANDEDATUI、BAOMADEPEIZHONGLVDENG。DANGSHIWOMENMEIYOUHENHAODEJISHUZHICHI,SUIRANBUMENLIDEJIGELAOXIANSHENGZUOGUOGUOJIYEWU,DANSHIYOUYUHOUMIANZHONGTUZHONGDUANGUO,DUIGUOJISHICHANGYEQUEFALEJIE,DUIFENGXIANLEIJIYEMEIYOUZUGOUDEFANGFAN。DANGSHIWOMENZUODEZUIDUODEYEWUSHIMEIGUODEZERENXIAN,BAOFEILIANGTEBIEDA,YEWULAIYUANYEHENDUO。MEIGUORENBIJIAOJIANGXIANJINLIU,YIZHANGBAOFEIZHANGDANJIUGENZHEYIZHANGZHIPIAO,TOULIANGNIANMEIJINJIUZHEIYANGYUANYUANBUDUANDILIUJINGONGSI。DANSHI5NIANYIHOUPEIKUANXIANXIANCHULAI,“DAPEI”JIUKAISHILE,PEIKUANZUIDADEANZISHISHIMIANCHANPINZERENXIAN,HAIYOUMEIGUODEYAOPINZERENXIANAN,LEISIDEHAIYOULUNDUNCHAOPEIHETONG。

  MEIGUOZERENXIANHELUNDUNCHAOPEIYEWUDEZERENLEIJIRANGSHIJIESHANGHENDUOZAIBAOXIANGONGSIZAOSHOUMIEDINGZHIZAI,WOMENYEPEILEHENDUOQIAN。HOULAIRENBAOJIUCHENGLILEZHUANMENDELIPEIXIAOZUDAOGEGONGSIQUXIESHANGJIEJUELISHIJIAN,HAIYOUYIXIEYEWUCAIQUYICIXINGLEJIEDEBANFA,JIEQINGLISHIWENTI。

  YOUYUNEISHIDEYEWUHESUANSHIANZHAOHUIJINIANDUJINXING,YEMEIYOULIURENHEZHUNBEIJIN,MEINIANDEBAOFEIJIEYUDOUSHANGJIAOJIGUOJIALE,ZUIHOUDEPEIKUANZHIHAOYOUBAOXIANGONGSIZIJICHENGDAN,ZHONGBAOZAIBAOXIANJIUSHIZAIFENYEJINGYINGSHIFENDAOLE20DUOYIDEPEIKUAN。

  1988NIANCANJIADILIUJIEDISANSHIJIEBAOXIANDAHUI

“沱海轮”理赔案件是法定分保的攻坚战

  1988NIANZAIBAOXIANBUXINSHELILEGUONEIFENBAOCHU,WOSHIDIYIRENFUCHUZHANG。DANGNIANGUONEIZHENGSHIKAISHIFADINGFENBAO,WOFUZEZUOPINGANHETAIPINGYANGLIANGJIAXINCHENGLIGONGSIDEYEWU。WOMENYIJIAYIJIAGONGSIQUTANYEWU,PINGANDUIJIEDESHIMAMINGZHEZONGJINGLI,TAIPINGYANGDUIJIEDESHISHAODANGDIFUZONGJINGLI,ZHIJIETANFENBAOHETONG。ZAIZHEIGEGUOCHENGZHONG,RENBAONEIBUDELIANGJIAFENGONGSI——SHENZHENFENGONGSIHEHAINANFENGONGSIDEFENBAOYEWUYEHUAGUIDAOWOMENBUMENLAIZUO。RENBAODESHENZHENHEHAINANFENGONGSIYURENBAOQITAFENGONGSIBUTONG,TAMENBUYONGXIANGZONGGONGSISHANGJIAOLIRUN,ERSHITONGGUOFENBAODEXINGSHIJINXINGGUANLI。

  问:您做法定分保业务的这几年,发生过什么有重大影响的赔偿事件吗?

  YUANSUZHEN:FADINGFENBAOYEWUGANGKAISHIZUO,JIUFASHENGLEYIQIZHUMINGDE“TUOHAILUN”PEIANSHIJIAN。“TUOHAILUN”DANGSHIDEBAOEDAGAISHI1280WANMEIYUAN,YOUDANGSHIYIJIAXINCHENGLIDEBAOXIANGONGSICHENGBAO。ZHEISOUCHUANZHUANGCHENLEYISOUJIAZHI1600DUOWANMEIYUANDERIBENYUCHUAN,SISHANGSHUREN,LOUYOUHAIWURANLEJIANADAHAIYU,SUOYIJIANADAFAYUANJIUBA“TUOHAILUN”KOULIU,XUYAOBAOXIANGONGSITIGONGZUEDANBAOCAINENGFANGXING。DANSHIZHEIJIABAOXIANGONGSIGANGCHENGLI,ZAIGUOJISHANGMEIYOUMINGQIHEXINYU,TAMENCHUJUDEDANBAOHANBUBEIFAYUANJIESHOU。CHUANJIUBEIKOUZAIJIANADADEGANGKOU,MEITIANXUYAOZHIFUYILIANGWANMEIYUANDEWEICHIFEIYONG。ZAIYUANBAOXIANGONGSIDEQINGQIUXIA,WOMENCHUMIANBANGZHUJIEJUE,YIRENBAOGONGSIDUONIANLAIDEXINYUWEIDANBAO,XIEDIAOLEZHONGYUANGONGSIHEZHONGGUOYINXING,ZUIHOUJIJIANADAHUANGJIAYINXINGCHUJULEYIGEZHENGSHIDANBAOHAN,ZHEISOUCHUANCAIBEIFANGHUILAI。

  

90NIANDAIFUCHENGMENDASHABANGONGCHANGJING

  HOULAIZAILIPEISHI,XINGONGSIYOUYUQUEFAJINGYAN,PEIANSINIANDOUMEIYOUJIEJUE,JIHUAILEZHONGGUOYUANYANGGONGSI,“TUOHAILUN”DECHUANZHANGYEJICHUYITOUBAIFA。ZUIHOUSHIWOMENFENBAOCHUCHUMIANLIANHEYOUGUANGEFANGGENRIBENCHUANFANGTANPAN,YUANMANJIEJUELE“TUOHAILUN”DEPEIKUAN。ZHEIJIANSHIKEYIBEIKANZUOSHIFADINGFENBAODEYICIGONGJIANZHAN,DUIZHONGGUOZAIBAOXIANSHICHANGDECUJINHENDA。

  问:通过您讲的案例我们了解到法定分保的开始并不是一帆风顺的,请问您后续在法定分保落实的过程中还遇到过什么难处?

  YUANSUZHEN:DANGSHIWOMENDENANCHUTEBIEDUO,YINWEIWOMENSHIZAIRENBAODEZAIBAOBULILAIZUOFADINGFENBAO,RENBAOBENSHENBUFENJIWOMENYEWU,ZHIYOUNEIXIEXINCHENGLIDEBAOXIANGONGSIBAYEWUFENJIWOMEN。RENBAODETONGZHIMAIYUANWOMENZHICHIBIEDEGONGSIGENRENBAOJINGZHENG,QITAGONGSIZESHUOWOMENPIANTANZHERENBAO,YINCIZUOGONGZUOJINGCHANGSHI“LIWAIBUSHIREN”,SHIFENJUYOUTIAOZHANXING。LINGWAIZAITANFENBAOTIAOJIANSHIYESHIHENNANDE。YINWEIFALVZHISHUOLEFEN30%JIWOMEN,DANSHIJUTIZENMEFEN,ZHONGJIANYOUSHENMEYAOQIU,DOUMEIYOUGUIDING。BIRUSHUOFENBAOSHOUXUFEISHIDUOSHAODOUXUYAOZAITAN。ERQIEWOMENYEBUNENGSUOYOUDEYEWUDOUAN30%QUJIESHOU,BIRUWEIXINGFASHE,30%JIUTAIDUOLE。YINCIWOMENDANGSHIGUIDINGLEYIXIEXIANE,CHAOGUOXIANEDEXUYAOTIQIANSHENBAO。BIRUSHUODUODADECHUANYAOSHIXIANBAOGAO,SHENMEDONGXIBIXUJINGGUOTONGYICAINENGQUBAO。YOUYUMEIJIAGONGSIDEQINGKUANGBUTONG,MEICITANPANDOUHENJIANNAN。

1996NIANCANJIAZHONGBAOJITUANHAIWAIJIGOUYANTAOHUI

商业分保从无到有,逐步发展

  问:您刚才讲了许多在人保时候的经历,您能再讲一下成立中保再之后法定分保和商业分保方面的经历吗?

  YUANSUZHEN:NEISHIHOURENBAOSUIRANHAIMEIYOUFADINGFENBAO,DANSHITAMENNEIBUYOUYIGEERBAFENBAO,JIUSHI20%FENJIZONGGONGSI,ZHEIJIANSHIYOUTAMENDEZONGGONGSILAIZUO,XINGSHIQISHIGENFADINGFENBAOSHIHENXIANGDE。1996NIANZHONGBAOZAICHENGLIYIHOU,WOMENJIUBAERBAFENBAONAGUOLAIDANGFADINGFENBAO,HOULAIWOMENYOUZHUANMENCHENGLILEFADINGFENBAOBU,DANGSHIGONGSHUYANRENFADINGFENBAOBUZONGJINGLI,WOJIULIUXIALAIZUOSHANGYEFENBAOLE。

  问:您曾担任商业分保处处长,是怎么把商业分保做起来的?请您给我们讲讲这段历史吧。

  YUANSUZHEN:HOULAISUIZHEZHONGBAOZAIYEWUDEKUODA,GONGSILINGDAORENWEIZHIZUOFADINGFENBAO,YEWUBUPINGHENG,JIUHAOZHAOWOMENBASHANGYEFENBAOZUOQILAI。KAIPISHANGYEFENBAODEDAOLUYESHIYICHANGJIANNAN、JUBUWEIJIAN。DANGSHIGUONEIYEWUCHULEHAINANHESHENZHENLIANGJIAFENGONGSIYIWAI,QITADEGONGSIDOUMEIYOUSHANGYEFENBAO。ZHONGBAOZAICHENGLIHOU,YUANLAIZHONGBAOCAIDEFENBAOYEWU,TAMENZIJIZUOLE,BUTONGGUOZHONGBAOZAILAIFENBAO。WOMENSHOULIZHISHENGXIABINGTUANBAOXIAN、TAIPINGYANGHEPINGANDENGSANSIJIADEYEWU,YEWULIANGHENXIAO,GONGSIJINRUKUNNANSHIQI。

  ZAINIANDIDEZONGJIEDAHUISHANG,DAIFENGJUZONGJINGLIJIDAJIAJIANGHUASHISHUO:“SHANBUZHUANSHUIZHUAN”,YISISHIZHEIKUAIMEIYOUYEWULE,WOMENKEYIKAIZHANBIEDEYEWU,JIDAJIAGUWUSHIQI。WANSHANGDELIANHUANHUISHANG,CAOPUZONGCHANGLEYISHOUGE,QIAHAOJIUSHI《SHANBUZHUANSHUIZHUAN》,CHANGDETEBIEHAO,GESHENGGANRANLESUOYOUYUANGONG。DAJIAJIUCHANGYIBAZHEIGE《SHANBUZHUANSHUIZHUAN》ZUOWEIZHONGZAIDEDAISIGE。SUIRANBUSHIZHENGSHIDESIGE,DANSHIFEICHANGSHENRURENXIN,YINWEIGECISHIFENQIHEGONGSIDANGSHIDEJINGKUANG,WOMENSUIRANZHEIKUAIYEWUMEIYOULE,DANSHIBIEDEYEWUWOMENHUIFAZHANQILAIDE。

  DANGSHIWOSHIDIYIRENSHANGYEFENBAOCHUDECHUZHANG,PINGJIEWOYIQIANZUOFADINGFENBAOSHIGENGEJIAGONGSIZAIBAOBUDELIANXI,YIDIANYIDIANDIKAITUOYEWU,SHANGYEFENBAOJIUSHIZHEIYANGQIBUDE。WOJIDETEBIEQINGCHU,DIYIBISHANGYELINFENYEWUSHIYIJIABAOXIANGONGSIFENJIWODEYIBIDIAOCHEDIAOZHUANGHUOWUDEYEWU,YINWEIDIAOZHUANGDESHIHOUFENGXIANHENDA,TAYAOFENBAO。DANGSHIDEFENBAOFEIZHIYOU80KUAIQIAN,SUIRANJINEBUDA,DANSHIDIYIBIYEWU,YIYIZHONGDA。WOJIDEHOULAIWOJIAOCHUZHEIXIEYEWUDESHIHOU,DAGAIZUOLEJIANGJINSANQIANWANRENMINBIDEBAOFEI,SHANGYEFENBAOJIUZHEIYANGMANMANFAZHANQILAIDE。

  问:商业分保由起步到逐渐壮大,请问商业分保是从什么时候起发展成为主营业务的?

  YUANSUZHEN:ZAIWTOTANPANJUEDINGZHUNIANQUXIAOFADINGFENBAOYIHOU,GONGSIKAISHIDALIFAZHANGUONEIQITADEZAIBAOXIANYEWU,YUSHISHANGYEFENBAOJIUZHUJIANFAZHANQILAI。FADINGFENBAONEIBIANSHIMEINIANJIANSHAO5%,SHANGYEFENBAOZHEIBIANJIUSHOUXIANKAISHIZUOCHENGSHUHETONG,SHIJISHANGJIUSHIBAFADINGFENBAODEYEWUBIANCHENGSHANGYEHETONG,ZHEIXIEYEWUZHUYAOSHIFADINGFENBAOBUCHULI。HOULAIYOUCHENGLILEYIGEGUONEIYEWUBU,ZHUANMENZUOZHEIXIEYEWU。

1999NIANZHONGGUOZAICHENGLIWANYANHEYING

  YOUYIZHENZISHANGYEFENBAOYEWUFAZHANDEBIJIAOHUANMAN,LINGDAOJUEDINGCAIYONGJINGPINDEXINGSHI,SHEINENGSHIYEWUKUAISUZENGZHANGSHEILAIDANGBUMENZONGJINGLI。HOULAIZHANGHONGZONGJINGPINSHANGGANG,DAILINGDAJIADALIFAZHANSHANGYEFENBAOYEWU,ZAINEIYIDUANSHIJIANLIGONGSISHANGYEFENBAOYEWUDEDAOKUAISUFAZHAN。CHENGLILESHANGYEFENBAOBUHOU,WOJIUHUIDAOGUOJIBUDANRENZHUZONG,ZOUSHANGGUANLIGANGWEI,BUZAIZUOYEWULE。

担当重任 更上一层楼

  问:您对中再集团的发展和新一代中再人有怎样的期待呢?

  YUANSUZHEN:XIANZAIGONGSIDEZIBENJINYOULEHENDADETIGAO,GONGSIZAIGUOJISHANGYEYOULEHENHAODEXINYONGPINGJI,TEBIESHISUIZHEWOGUOZAIGUOJISHANGDIWEIDEBUDUANTIGAO,ZHONGZAIDEQIANTUYIPIANGUANGMING。WODUIZHONGZAIDEFAZHANCHONGMANXINXIN,XIWANGXINYIDAIZHONGZAIRENJIEHAOZHEIYIJIELIBANG,DANFUQINIANQINGYIDAIDEZERENHESHIMING,RANGZHONGZAIGENGSHANGYICENGLOU,TUIDONGZHONGGUOBAOXIANXINGYEFANRONGCHANGSHENG。

关闭

Copyright © 2008 ZHONGGUOZAIBAOXIAN(JITUAN)GUFENYOUXIANGONGSI All Rights Reserved

BENWANGZHANZHICHIIPv6FANGWEN BANQUANSUOYOU FUZHIBIJIU