"Grassroots Chinese Dream" launched E-commerce low-cost life Insurance Company

"Almost everyone thinks it's impossible for a grassroots to start an insurance company without any background," he said. I do not believe this evil, but 1:30 will have no way to achieve the ideal. After resigning from the company in 2009, I began writing the Chinese Dream of grass roots, thinking that if you could publish a book, you might get some support, but it took two or three months to write it out without the confidence to publish it. In the summer of 2011 I saw a news that a rural woman had no money for cancer ascites and a kitchen knife cut her belly, and this news strongly stimulated me. So I decided to publish it anyway, in order to achieve a glimmer of hope for the ideal. ”

In some people's eyes, a "grassroots Chinese Dream" is as pale as the cover of this book. Zhang Martin, author of the "Grassroots Chinese Dream", has been working to launch a Low-cost life insurance company based on E-commerce. But after years of hard work, no progress has been made. In the midst of a questioning, Zhang Martin a firmer faith.

Zhang Martin that innovation and entrepreneurship do not divide the industry, all industries must vigorously promote innovation to have a future, China's future is to let the Chinese at every opportunity to see the possibility of success. The insurance industry, too, should not be a capital-gathering tool for big-capital players, and should not be a no-go area for grassroots entrepreneurs. It can play a greater role in people's livelihood, and the grassroots from the bottom may have a clearer understanding of the needs and expectations of ordinary people for insurance.

Everyone should enjoy perfect protection

Most people believe that the insurance industry is one of the most notorious in China. The problems of high cost, inefficiency and lack of integrity have been criticized. According to the study, the Chinese insurance industry's compensation rate is only 20%, that is to say, all Tribune invested 100 dollars to buy insurance, the final return of only 20, or even less than the return rate of lottery tickets. And foreign this ratio generally in more than 60%, the European and American developed countries even in more than 100%.

Zhang Martin that the status quo is determined by the tactics of traditional insurance and the high cost and inefficiency of the organization. Zhang Martin has been thinking about how to change this situation, so that insurance can play its role in security, to bring tangible benefits.

Since 2004, Zhang Martin has created the idea of launching an internet-based life insurance company. His mother's death before and after 2007 made him stronger. In his view, an efficient and low-cost insurance industry can reduce the operating costs by 30% and allow more people to enjoy more protection, so as to relieve the public of the difficulties in the economic aspects of accidents and diseases, so that everyone can enjoy the right to perfect protection.

The time of internet finance is ripe

The securities industry is also similar to the insurance situation, author Zhang Martin said. China's securities investors, while bearing the losses of the stock market, also bear a high cost of securities transaction, that is, commission. At present, the average commission of Chinese shareholders is around ten out of 10,000, and through an Internet brokerage company, investors can reduce the transaction costs by 60%, and can achieve rapid profitability.

Therefore, Zhang Martin that online insurance companies or online securities brokerage companies are feasible (overseas successful companies), now the time is ripe. He is determined to launch a company like this in the online financial sector. As a grassroots, he has no seniority background, only to make more efforts to achieve a glimmer of possibility. Zhang Martin said he was prepared to deal with all the possible difficulties.

Through a preliminary study of the Internet's Life insurance company, Zhang Martin wrote "The Grass-roots dream of China", a book that preaches dreams, and formulated strategies to prepare more avenues for effort. He believes there must be a way to convince the capital side and the regulatory authorities to achieve one of the two companies. Zhang Martin believes the project is responsive to industry trends, truly saving money and creating value for the masses, and having the opportunity to create a great financial or Internet brand that is competitive.

Break the vicious circle of insurance

The traditional insurance relies on the tactics and the institutional laying as the leading high cost and low efficiency of the extensive development model, bringing misleading, integrity and other aspects, the industry image is poor, not only affected the popularization of insurance, but also led to the insurance into a vicious circle.

The book first launched China's first internet-based low-cost life insurance, the first internet-based discount brokerage. The difference is: first, it has no insurance agent, all products E-commerce means direct marketing, and secondly, as low cost operation, efforts to low prices, at the same time, electronic sales so that the whole process can be checked, the fundamental realization of integrity; focus on security insurance, provide standardized and customized protection products; Cold Call and other harassment-type sales;

In addition, the author expounds the personal view of the "Chinese Dream", and talks about the grassroots view of the issues related to success, such as seniority, background, idealism, social ideals and the Internet. This book, in terms of users and practitioners, expresses the view that "the financial industry should not be high on the high side, but should really solve the problem of people's livelihood!" The concept of Internet innovation Finance ", to the grassroots point of view of some social hot issues, perhaps some extreme, biased, but at least it has a real side." Wen/Anforchen