China's production risk in Rio Tinto new channel of electric business

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Wang Feng reporter Yiu Hui China Insurance Co., Ltd. Shandong branch of E-commerce as a new http://www.aliyun.com/zixun/aggregation/18505.html "> Sales channels, lasted more than a year of practice, to build a company to participate in market competition, the new advantage, A strong boost to the overall business development. Among them, July 7, 2012 online sales, in a short period of 5 months, the realization of network marketing insurance business Underwriting 46846, signed a single premium to exceed the 100 million yuan mark, commercial risk and the ratio of the risk accounted for 80.18% and 19.82% respectively, And the new car business and the transfer from the other side of business insurance in the proportion of nearly 50%.

In the developed country insurance premium income, the electric sale and the net sale occupy the absolute position. To this end, the China insurance company put forward the "electric sales, network sales activate the four-level institutions," the train of thought, Shandong Branch as a breakthrough in the marketing channel reform, by the marketing staff alone, change to take the company brand as the hand to carry out effective market competition.

In order to build electric sales, network sales of new channels, the company established a "GRASP compliance, tamping Cornerstone, heavy implementation, excellent service, tree brand" 15-word policy, from the beginning to pay close attention to the marketing team compliance construction. The company's electrical sales service commissioners are all signed with the company Labor contract, Labor dispatch contract or dismissals agreement, signed a confidentiality agreement, through the company's qualification examination staff. The company requires the Service Commissioner to have tooling, wear company logo, speak polite and interpersonal business etiquette, at the same time, more emphasis on the need to eliminate damage to the company's interests and customer interest events, especially to adhere to customer information confidentiality system, in the provision of business services in the process of obtaining the insured or insured personal information, They shall not disclose, sell or illegally provide to others, nor shall they obtain personal information of citizens by unlawful means. For qualified service commissioners, the company also arranges a period of retraining, and establishes a training file for service commissioners to continuously ensure the quality of service.

The company prescribes the "standard action" of the Electric sales Service Commissioner, responsible for providing customers with product introduction, the interpretation of the terms of the work, to assist customers in the insurance, claims processing of objections to deal with, responsible for providing customers with booking services, coordination of claims Services, responsible for the day-to-day maintenance of customer relations, responsible for providing renewal reminders to customers. Where conditions permit, some service commissioners also take the initiative to assist customers in the process of insurance to complete the car inspection, listing, audit vehicles, delivery of insurance materials, such as the organization of customers to participate in fitness, sports competitions or self-driving tour activities, increase interaction with customers and emotional exchanges, enhance customer satisfaction, the existing customers into the company's loyal customers, Turn loyal customers into the company's lifelong customers.

The company also made a special "Electric Sales integrated office management measures", on the contact of customers, print insurance documents, upload image data, organize underwriting files, complete system operation, arrange distribution matters, and so on, in the prescription, the flow of detailed provisions. In order to save the insured's time, the company principle stipulates that the electric sale business does not need the insured person to come, the policy, the invoice, the sign, the card, the distribution list and so on documents all to the company full-time personnel door-to-door distribution. In addition to the delivery time requested by the customer, the distribution personnel must distribute the insurance documents to the insured in accordance with the commitment of not exceeding 24 hours in the urban distribution time and not exceeding 48 hours after the telemarketing is completed, and at the same time, the site will introduce to the customers the insurance liability and exemption clauses of the company's electric products. After the customer has confirmed all the circumstances, please sign and confirm in the distribution list, insurance list and other signed columns. To carry a mobile POS machine to collect premiums, the company also special provisions prohibit the distribution of the use of POS machine, if found to have this behavior, will seriously handle and cancel the qualification of the distribution personnel.

In the demand for electricity sales, network sales personnel in accordance with the law of the exhibition industry, the company has launched a series of services for the electric sales, network sales customers: such as replacement tires, water tank replenishment, free delivery of oil, traction, on-site quick repair, professional trailer and other non-accident road rescue services, further stabilize and expand the company's customer base.

Since September 2011, the company launched E-commerce, subordinate 16 Central branch companies have set up an E-commerce department, special post is responsible for the management and coordination of E-COMMERCE related matters; Four organizations have also set up a professional electrical sales, Network marketing team and landing service team, Currently has a coverage of the province's 176 four-level electric sales, network marketing agencies, a single person to sell 306 people, service and distribution of the Commissioner up to 1068 people, the initial realization of the electric sales, network sales channel Business services standardization, specialization and standardization. By the end of November 2012, the company realized the electronic sales, net sales signed a single premium of 319 million yuan, completed 127.6% of the plan issued by the corporation, and the electronic sales, net sales renewal rate to maintain more than 60%, really become the company's high-quality business source.