Research On Development Strategy Of Beijing Postal Insurance Business

The insurance industry is the importance of the financial system to constitute part, is the important factor that keeps a social stability and promotes a national economic development. Appear the repair of the deficiency and the demand of the postal service business enterprise oneself development because of undertaking a widespread service to the postal service, a lot of postal service sections of nations all started to act for the insurance business in the world, the postal service have founded the own postal insurance company, receive better result, bring a new growth to raising an economic performance for the postal service business enterprise. The foreign postal service insurance management can is divided into two kinds of modes basically: Take Japan, Korea as the representative's "mode in East Asia", take France, Holland as the representative's "European mode".With the insurance market extend continuously, the management environment of the financial insurance industry took place a graveness variety in our country. The insurance industry and bank, postal service etc. the profession opened an the multilayer of realms and cooperation, the postal service acted for the insurance business to face new opportunity and the challenge.In macroscopic situation, promulgate in 2006 of《State Department the concerning the insurance industry was some opinions of the reform development》and《the Chinese insurance industry develop of 15" the programming outline》describe a period of development blue print for insurance industry, make sure the keynote of the big development, anticipate the coming 5 year the insurance fee income increase to 15% or so every year in our country, in 2010 insurance fees will be up to the RMB one thousand billion , the insurance industry was placed in history a best development period. Especially with the fast growth of the economy and people build up of the risk consciousness, the consumer's need to purchased the diverse insurance product, the increment of the insurance company , the quest to marketing channels, all to provide very vast space for the postal service. In the postal service inner part, the curtain of the postal service financial reform has already draw back currently, the national postal service savings bank has already be founded, Peking branch establish forthcoming, how to develop the insurance business in Peking, what should the postal service do for the insurance business, will be a problem that currently to be studied and discussed to the postal service in PekingIn 1999, the Chinese postal service restarted to carry on insurance business. The postal service have various advantage on the insurance business : there are a lot of outlets for the insurance retail; Advanced technique equipments; the good prestige of an enterprise of a century's standing; The high-speed operation of the InsTech Inspost Export, in the last six years, the agency insurance business presented a good development tendency all along, carry out the great -leap-forward development. The insurance fee raises to￥33,721,000,000 of 2006 from￥185,000,000 of 1999.Postal service in Peking start to acts for the insurance business since 1998.The originally professional business always be managed by a section of Beijing Postal Saving & Remittance Bureau, on October 2003, Beijing Postal established the professional management -Peking postal service insurance to act for bureau. Postal service in Peking has already launched a cooperation with several insurance companies currently, the sale gives bonus insurance and retires to enjoy life several products, such as insurance, healthy insurance, patrimony insurance, accident insurance and the car insurance...etc., 497 post offices() of the town country in Peking have already acted for to sell these insurance products.International top the insurance industry the silver of the flourishing nation protect experience of the cooperation, international top the insurance industry the silver of the flourishing nation protected a cooperation to experience three stages, first stage: The silver protects the retail stage of the selling agent. Second stage: Strategic alliance stage, the bank and insurance company sign a more long-term cooperation to negotiate, establishment firmness of strategic alliance, common development product, common development market, common implement marketing activity. In addition to can acquire service charge, the bank can also share parts of profitses of the insurance business. The third stage: Mutually three, joint venture do insurance. Draw lessons from international last experience combines an actual circumstance of postal service in Peking, suggesting the postal service development in Peking insurance business is divided into four to walk: Is the concurrent business acts for a stage, profession agency a stage, and the insurance company knot for the strategic alliance establish postal service an oneself of insurance company Peking branch.