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In the darkest moment of the insurance industry, peace is almost halved. Is it the last darkness before dawn?
Thank you for inviting me. First of all, as an employee of Ping An, I will treat the future development of Ping An with a fair attitude.

Many people say that peace is halved and the stock price has fallen by half, which is simply terrible, but in fact this is an inevitable phenomenon. In a nutshell, it is "the pain before rebirth."

As we all know, Ping An started as an insurance company and is the first joint-stock insurance company in China. However, it has developed an iTutorGroup with a full financial license, such as the acquisition of Shenzhen Development Bank and its name changed to Ping An Bank. It also owns lufax, securities, futures, trust, Pratt & Whitney and other financial institutions with investment nature. In addition, it is also a major shareholder of shanghai jahwa, and has also established a company of Ping An Good Doctor, including Ping An Health. Even after 60 years.

Having said that, I don't want to brag about how awesome Ping An is, but to tell you the fact that Ping An is definitely a national enterprise and a comprehensive financial group.

Then why is there a phenomenon of waist cutting? That's because of the insurance market, Ping An took the lead in making reform and transformation. In the past, there were many agents in Ping An life insurance channel, as high as 654.38+00,000, because Ping An focused on marketing, which was also the beginning of letting the market blossom, because if an enterprise paid too much attention to marketing, the manpower and cost would increase, even if the market share was higher, the profit would decrease.

Therefore, Ping An's transformation this time is to adjust the manpower, and all those incompetent salesmen are retired, so that nearly half of the salesmen, especially the most basic salesmen, are forced to "voluntarily leave".

Coupled with the rise of internet insurance, the main group of consumer insurance will choose insurance products more decisively after the 1980 s and 1990 s, leading to the downturn of offline sales in the entire insurance industry. Not only is it safe, all insurance companies are affected, and some business areas even merge and withdraw.

It's just that there are many safe people and there is no manpower to do the foundation, which leads to a decline in profits. This is something that can't be helped. But the purpose of Ping An's doing this is to transform the whole agent team and leave a more elite team. At the same time, it improves the academic requirements of recruits and makes the whole team more professional and responsible.

This is actually a good thing, making the remaining agents more responsible to consumers and making the whole insurance industry better.

Only when an enterprise is truly bigger and stronger will it experience several ups and downs. This is a change, not a bad thing.

Personally, I think that the insurance industry will definitely become more and more compliant in the future. An insurance company will definitely be turbulent before and after making adjustments, just like a revolutionary activity, but that is only China Ping 'an's own life. I have to correct the topic: this may be the darkest moment in peacetime, but it is definitely not in the insurance industry. Any bad phenomenon, style and practitioners are eliminated from the industry, which is of great benefit to the industry itself.

On the one hand, it is a question of good money eliminating bad money. Otherwise, for vested interests in certain industries, if they tolerate bad teams, organizations and individuals, they will only discredit the industry and crack down on compliance practitioners.

On the other hand, it is a clear warning to institutions and individuals who are still struggling in the industry. There is no such thing as "too big to fail", warning major institutions to remain in awe of the market and consumers.

As Ping An insiders say very well, it is mainly executives who are affected, not grassroots business personnel. This is good, because:

1, the people who really work for the industry are actually grassroots people. Too many management interests are above, which means unreasonable high management cost and abnormal industry organization structure. These extra costs will eventually be paid by consumers' wallets.

2. The industry atmosphere is not good, often because there is a problem with career positioning. To engage in a certain industry, you must first recognize this industry, and then you can hope to be promoted; Instead of just thinking about promotion every day, it doesn't matter whether you recognize it or not. The proportion of management interests is too high, which leads to the abnormal development of career orientation. In order to be promoted, as long as you "go ashore", you can "suck blood" on your head by any means, and your initial heart will be thrown outside the cloud nine.

In a word, it is "darkness" for some organizations and a few people, but it is definitely "dawn" for the whole industry and most serious and cautious employees and consumers!

The answer given by Ping An insiders is very enlightening. From the perspective of the insurance industry, there is no problem in the long run.

Difficult to break

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