Market to play a fundamental role in resource allocation, retirement is a priority into the proper meaning of bad. Provincial branches of insurance companies is the most important insurance market in the main market, advance and retreat in line with the natural laws of the market. This paper argues that the insurance industry in the current stage of development, poor branch out of the necessity and feasibility are in place,
one bad out of the market's need for the insurance branch
the actual operation of the insurance company, the branch directly to the insured, the specific commitment to the exhibition industry, charges, claims, advocacy and other work, network and more links and more complex transactions. From the situation in recent years, some agencies have committed vicious acts of operating the mandatory provisions of law, and some unscrupulous business activities has seriously affected the image of the industry, and some frequent spontaneous withdrawal was built directly undermine universal service and the balance between healthy competition, urgent need to take effective measures to regulate.
(a) Nature of the market economy, you need to clear the pipeline to maintain a healthy market. The market mechanism to play a fundamental role on the premise that resources can flow freely. In the provincial insurance market, insurance companies branches occupy a lot of human, capital and other production factors participate in the market allocation of resources. If you do not set the appropriate export, is totally dependent on spontaneous behavior of market players, market players are likely to lead to adverse stiff and die, instead of eliminating the poor, reduce the efficiency of resource allocation factors affecting the health insurance market to run. Therefore, we must establish clear and efficient channel to achieve the insurance market,
(b) view from the development mode, you need to conduct extensive development by regulatory constraints. Although the question of the extensive development of insurance industry has improved gradually, but the cause of a long history, which is the industry's development philosophy, capital strength and human resources and other aspects of the concentrated expression. Smooth branches of the insurance company bad market exit pipe, the market mechanism to play a functional survival of the fittest, respect and protection of the market selection results, the formation of Forced use of market mechanisms to pressure from local and overall changes in the insurance industry to promote the development of the whole way, completely eliminate the scale expansion thinking and decision-making rely on impulse. Exit through the effective guidance of the market, regulators can adjust gradually to master lead the market structure, regional structure, business structure, personnel structure and other aspects of the initiative to prevent structural adjustment rebound.
(c) from the company operating environment, the need for an orderly phase out backward production capacity. Requirements of fair competition in the market economy. In the current design of the system, the illegal income, low cost, input-output ratio rather than compliance management, a direct result of unfair competition. The results do not eliminate the poor and gifted Nansheng, or even a Violation of traffic compulsory insurance regulatory agency to suspend punishment practice that, if further development and effective implementation of exit rules, those who highlight the vicious competition, chaotic management and long-term losses and meeting market needs an orderly phase-out of non-performing institutions, regulatory effectiveness will be greatly enhanced, the market environment will be more equitable.
Second, the poor viability of the insurance branch to exit the market
present, the insurance industry at a new starting point, enter a new phase of development has become the conscious action of the industry, market competition has become the main stage. Under these conditions, the insurance company to explore and strengthen the non-performing branches out of the market, with the degree of development of the insurance market compatible with the scientific development of the industry regulatory initiatives phase synchronous.
(a) of the service network of urban and rural areas of insurance has been basically formed. Currently, the regional insurance market, the city's insurance company subsidiaries, many of the rural network marketing services, coupled with professional insurance intermediaries and insurance and industry in urban and rural areas throughout the agency, covering all urban and rural areas of insurance services network, the basic to meet the insurance needs of the public. Especially with the growing urban and rural transportation and communication facilities, large radius of the existing extension of the insurance network services, service ability and level steadily, selective and conditional, step by step out some bad branch will not affect the follow-up services, but also to optimize the market.
(b) the delisting agency reasonably divert surplus staff. Buliang branches delisting, some general managers return to higher authority, or assigned to other agencies, because of previous operating performance as criteria for judging the reasonableness of mutual selection process and acceptance will be higher, but also help solve the insurance sector management of resources and management of a serious mismatch between objects contradiction. Marketers usually vested in the other place to find and more competitive insurance institutions, and its obviously more likely to benefit.
(c) the basic knowledge of the industry inside and outside the line. The regulators, the past has done a lot, To the public, they need personalized insurance services, also through the purchase decision to phase out the agency does not meet their needs. Insurance organizations, faced with internal and external competition, the need to optimize the integration of internal resources to win greater development.
Third, poor insurance subsidiaries out of the market's basic thinking
recent years, the Sichuan Insurance Regulatory Commission in accordance with the state to guide the insurance market operating under the management of insurance institutions and their own management and control capability, and reasonable adjustment of the body layout, take the initiative to merge to consolidate existing branches approved to merge 183, of which Only a life insurance company to merge the 59 prospects are not optimistic about the development of marketing services, due to the development of a strategic adjustment of insurance companies take the initiative to revoke the 25 urban marketing services; regulatory authorities shall cancel 45 professional intermediaries, agents and industry institutions 3671. Insurance sector resources are effectively integrated, and promote the healthy development, thus promoting the overall market remained healthy and effective development. Summary of exploration and practice early, bad insurance subsidiaries of controllable risk delisting should be under the general requirements, focused, conditions and differentiated gradually implemented.
(a) the need to take the three points. First, specific treatment should adhere to be treated differently. View of the provincial market, unbalanced regional development, the role of insurance companies vary all levels, poor performance of the insurance branches in different forms, should geography, level, exit the way to be different. Second, the implementation of the exit to ensure follow-up services. Bad insurance companies delisting, the original implementation of the policy must be clear and to undertake responsibility for the main body must have a reasonable service channels to ensure the interests of policy holders following dimension. Third, the formation mechanism should be gradual. Should withdraw from the review to strengthen the self-start, and gradually transferred to Force Quit, quit persuasion, spontaneous withdrawal combined to realize the normalization procedure.
(b) of the three exit paths. Poor performance under the form of the insurance branch, can in turn be divided into three categories: first, that serious violations of the insurance business activities of the mandatory provisions of laws and regulations of agencies. The second category refers to the responsibility of a longer period of absence, management deficiencies, lack of services, executives, and lack of rectification is not valid, there is no change in the body, mainly for the interests of customers are often damaged and poor social assessment, the internal risk management is extremely confusing hidden large, innovative and competitive business development means there is no bad, the state of leadership is not doing nothing, or chaos as three years after rectification, is no better, even after obtaining the license does not open or long-term is not normal business. The third category refers to withstand market choice or not recognized by the market institutions, mainly for the feasibility of operation can not achieve the three goals, according to law should enter into a profitable business but still a loss of, or due to a major development strategy changes must withdraw from the market. The above three types of institutions for the following exit path, respectively.
One of the first institutions
for Force Quit. This is a bad exit the insurance branch of the legal model is based on the laws and regulations, insurance license revoked, canceled its insurance business, qualifications, and passive exit, main features of the forced exit. There are five kinds of situations: First, beyond the approved business scope, failure to correct or cause serious consequences; Second, there is to draw or carry the liability reserves, reinsurance is not in accordance with the regulations, without the approval of the establishment of branches or representative offices, not for approval in accordance with the provisions of the insurance clauses, premium rates, the circumstances are serious; Fourth, transfer, lease , lending business license, the circumstances are serious; the five, prepare or provide false reports, statements, documents, information, etc., refuse or hinder the supervision and inspection according to law, not according to regulations approved or filed with the insurance provisions, premium rates, serious cases.
second is to persuade the second exit for such institutions. This is a bad idea of the insurance branch exit mode, compared with spontaneous withdrawal, more proactive regulatory authorities, the regulatory capacity requirements are also higher. Branch, on the type of insurance, in the competition over the region, can monitor the letter prompted to persuade them to withdraw from the market risk; do need to exist on the central branch companies, branch companies, can monitor the conversation, to guide agencies downgraded its original settings or completely out. After obtaining the license for not opening or long-term non-normal business, direct advice of its exit the market.
Third, for the third category of institutional self-exit. This is the current bad exit the main mode of the insurance branch, belonging to voluntary withdrawal, and there is requested from the city. For those not suited to market needs, without benefit of the poor economic accounting bodies, or because of significant changes in the overall development strategy of severely affected branches, insurance companies will generally offer to merge applications. In this regard, regulators should focus on the review body to undertake the responsibility of the original policy has not put in place, there is no clear policy of the main service, the service channel is reasonable convenience, there is no written notice of matters relating to the insured, the insured or the beneficiary. Only these three aspects have been clearly implemented, the regulatory authority before they can agree to merge applications and requested notice of its parent company, which effectively protect the legitimate rights and interests of insurance consumers.
(Sichuan Insurance Regulatory Commission Wang Hulin)
No comments:
Post a Comment