保险三巨头，改革“过半”：人保、平安向左？国寿向右？
<div class="wx_rich_media_content" id="jsWxContainer"><section style='box-sizing: border-box; text-align: justify; font-size: 16px;' data-mpa-powered-by="yiban.io"><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline; width: 100%; margin-top: -20px; margin-right: 0%; margin-left: 0%; box-sizing: border-box;'><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 100%;height: auto;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section></section><section style='margin-top: 5px; margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 18px; color: rgb(0, 0, 0); text-align: center; letter-spacing: 2px; line-height: 2; box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>前有</strong></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>人保集团、平安人寿</strong></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span style='color: rgb(194, 32, 32);box-sizing: border-box;'>正值改革初期，却遭换帅</span></strong></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>后有</strong></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>中国人寿发布改革初效</strong></p><p style='box-sizing: border-box;'><strong style='color: rgb(194, 32, 32);box-sizing: border-box;'>重回全球上市寿险公司市值第一</strong><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><strong style='color: rgb(194, 32, 32);box-sizing: border-box;'><br style='box-sizing: border-box;'></strong></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span style='box-sizing: border-box;'>保险三巨头正值改革期</span></strong></p><p style='box-sizing: border-box;'><span style='color:#c22020;box-sizing: border-box;'><strong style='box-sizing: border-box;'>人保平安向左？国寿向右？</strong></span></p></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: center;margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;' powered-by="xiumi.us"><section style='border-top: 1px dashed transparent;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 11px; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;padding-right: 0.2em;padding-top: 0.5em;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 3em;height: 3em;border-width: 1px;border-style: solid;border-color: rgb(249, 110, 87);padding: 3px;border-radius: 100%;box-sizing: border-box;'><section style='width: 100%;height: 100%;border-radius: 100%;background-color: rgb(249, 110, 87);color: rgb(255, 255, 255);font-size: 20px;line-height: 1.4;box-sizing: border-box;'><p style='box-sizing: border-box;'><em style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>1</strong></em></p></section></section><section style='display: inline-block;vertical-align: top;width: 6px;height: 6px;border-radius: 100%;margin-left: -0.5em;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;width: 3px;height: 3px;border-radius: 100%;margin-top: -0.22em;margin-left: 0.1em;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;' powered-by="xiumi.us"><section style='border-top: 1px dashed transparent;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='text-align: center;margin: -5px 0% 20px;transform: translate3d(3px, 0px, 0px);-webkit-transform: translate3d(3px, 0px, 0px);-moz-transform: translate3d(3px, 0px, 0px);-o-transform: translate3d(3px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 93%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(220, 89, 89, 0.34);box-sizing: border-box;'><section style='margin: -5px 0% 4px;transform: translate3d(-5px, 0px, 0px);-webkit-transform: translate3d(-5px, 0px, 0px);-moz-transform: translate3d(-5px, 0px, 0px);-o-transform: translate3d(-5px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(220, 89, 89, 0.34);box-sizing: border-box;'><section style='margin: 5px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 20px; color: rgb(0, 0, 0); letter-spacing: 0.8px; line-height: 2; box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='letter-spacing: 0.8px;box-sizing: border-box;'>保险三巨头的不同走向</strong></p><p style='box-sizing: border-box;'><strong style='color: rgb(194, 32, 32);letter-spacing: 0.8px;box-sizing: border-box;'>人保、平安，“向左”？</strong></p></section></section></section></section></section></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>1. </strong></span></em><strong style='box-sizing: border-box;'>保险三巨头，相继提出改革方案，未来鹿死谁手？</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>近两年，保险“三巨头”中国人寿、中国平安、中国人保，相继提出战略转型方案。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>①中国人寿：</strong>以“建设国际一流寿险公司”为愿景，启动了「鼎新改革」工程！</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>②中国平安：</strong>宣布寿险将全面改革，希望成为全球最领先的人寿保险公司!</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>③中国人保：</strong>提出用3-5年或更长一些时间打造一个不一样的人保集团，希望“打造具有卓越价值创造能力的保险金融集团”。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>然而，2020年突如其来的新冠疫情，可以说是为三家公司的改革带来了不小的变数！<br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>年初，小编曾在《<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzI1ODI3MzU4NQ==&mid=2247496837&idx=1&sn=c96ceae7ec23b1d7124a66c0583aaecc&chksm=ea080cdbdd7f85cd9da6b253f70c4df2b3e198b17545158bab133bd7e0ae004a4969b5b499cb&scene=21#wechat_redirect" textvalue="巨头涅槃：国寿、平安、人保，改革期撞上新冠疫情，何去何从？" data-itemshowtype="0" tab="innerlink" data-linktype="2">巨头涅槃：国寿、平安、人保，改革期撞上新冠疫情，何去何从？</a>》一文中提到过，从保费规模的角度去看三巨头的表现，好像觉得也就国寿还算不错。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>现如今，2020年即将收尾，三家公司的改革，也都走了至少一年的进程。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>如果说，站在现在这个时点，回过头去看，三家公司的改革如何了呢？</p></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>2. </strong></span></em><strong style='box-sizing: border-box;'>改革进程“过半”，人保、平安纷纷换帅？</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>①人保集团：全新战略改革才刚开始，掌舵者就生变！</strong><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>2020年7月，<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzI1ODI3MzU4NQ==&mid=2247500294&idx=1&sn=e453e87a75643cd161b566957ede7fb6&chksm=ea083a58dd7fb34ee8a43e34937b8254168910f9157d089e876f26b23ab2a3ee7ed35ddf92c7&scene=21#wechat_redirect" textvalue="缪建民离开1万亿资产的人保，奔赴9万亿资产的招商局集团" data-itemshowtype="0" tab="innerlink" data-linktype="2">缪建民离开1万亿资产的人保，奔赴9万亿资产的招商局集团</a>！此时，距离缪建民2018年上任，才不过两年半的时间~</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>更重要的是，2019年11月，人保集团才提出全新战略，要构建起“风险管理+财富管理”并重、“保险+科技+服务”三位一体的新商业模式。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>虽说，人保集团董事长一职，在空缺2月之后，就由<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzI1ODI3MzU4NQ==&mid=2247503724&idx=1&sn=8a0a7515030f81bf2bf4282680dea582&chksm=ea083732dd7fbe24f68d14c0c630031bfceed809f57020882c80dd6c5dc233ebad009046ab82&scene=21#wechat_redirect" textvalue="太平集团董事长罗熹接任。" data-itemshowtype="0" tab="innerlink" data-linktype="2">太平集团董事长罗熹接任。</a></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>但是，一方面，人保集团在改革初期，就经历掌舵者变换，难免导致进程延后。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>另一方面，人保集团的主要业务版块人保财险，在2020年经历了武汉金凰假黄金事件后，信保业务大幅缩水，再加上车险综合改革实施导致车险保费陷入负增长。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>短期内，人保财险的保费和盈利两方面，皆面临较大压力。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>再加上，罗熹在接棒时已经59岁了，未来是否会在人保退休，还是短暂过渡，也存在较大变数~</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>因此，对于人保集团来讲，未来的改革步伐较为沉重。<br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>②平安集团：寿险全面改革刚开始，集团高管人员变动频繁！</strong><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>其实，自从2019年李源祥转会友邦之后，平安集团多位高管相继出走~<br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>先是，任汇川辞任平安集团执行董事、副董事长，在离职5天后，加盟腾讯金融科技任特别顾问。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>而后，平安产险前总经理助理周克俊同日加盟腾讯，并于8月出任腾讯微保总经理兼CEO。此外，金融壹账通、陆金所、平安好医生等也有共计10余位CXO级别高管相继离职。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>目前，平安人寿的全面改革才刚刚开始，虽说经历了近一年的调整，保费增速明显提升，但是，从新单保费的角度看，其个险新单10月末的保费，依旧是负增长14%！</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>而且，昨日晚间，中国平安又宣布高管层调整，平安人寿换帅，健康险董事长兼CEO杨铮接棒。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>更多内容，参见《<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzI1ODI3MzU4NQ==&mid=2247507347&idx=1&sn=e759685a3ea362f9541e8c6efe2d7e8b&chksm=ea0825cddd7facdb805be7ee0be4f342e26fa682262f2159b2c34037d45e47d4ac68ecf6889a&scene=21#wechat_redirect" textvalue="重磅！平安人寿换帅：健康险董事长兼CEO杨铮接棒，陆敏退休、丁新民退居二线？" data-itemshowtype="0" tab="innerlink" data-linktype="2">重磅！平安人寿换帅：健康险董事长兼CEO杨铮接棒，陆敏退休、丁新民退居二线？</a>》</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>本就仍处于初期阶段，再加上当前正值寿险公司争抢2021年开门红之际，平安人寿的掌舵者却有重大调整，势必为改革增添不确定因素。</p></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>3. </strong></span></em><strong style='box-sizing: border-box;'>国寿向右，人保平安向左？</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>改革进程“过半”，人保集团、平安人寿，纷纷换帅！对于两家公司来讲，改革的进程难免有所影响~</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>此外，从上图可以看到，截至目前，保险三巨头的股价，上升最快的就是中国人寿。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>反观，中国平安的股价，较年初仅上升6%，人保甚至下降了8.8%。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>从市场的反应也能窥见，人保平安似乎有些“向左”的味道~</p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: center;margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;' powered-by="xiumi.us"><section style='border-top: 1px dashed transparent;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 11px; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;padding-right: 0.2em;padding-top: 0.5em;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 3em;height: 3em;border-width: 1px;border-style: solid;border-color: rgb(249, 110, 87);padding: 3px;border-radius: 100%;box-sizing: border-box;'><section style='width: 100%;height: 100%;border-radius: 100%;background-color: rgb(249, 110, 87);color: rgb(255, 255, 255);font-size: 20px;line-height: 1.4;box-sizing: border-box;'><p style='box-sizing: border-box;'><em style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>2</strong></em></p></section></section><section style='display: inline-block;vertical-align: top;width: 6px;height: 6px;border-radius: 100%;margin-left: -0.5em;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;width: 3px;height: 3px;border-radius: 100%;margin-top: -0.22em;margin-left: 0.1em;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;' powered-by="xiumi.us"><section style='border-top: 1px dashed transparent;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='text-align: center;margin: -5px 0% 20px;transform: translate3d(3px, 0px, 0px);-webkit-transform: translate3d(3px, 0px, 0px);-moz-transform: translate3d(3px, 0px, 0px);-o-transform: translate3d(3px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 93%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(220, 89, 89, 0.34);box-sizing: border-box;'><section style='margin: -5px 0% 4px;transform: translate3d(-5px, 0px, 0px);-webkit-transform: translate3d(-5px, 0px, 0px);-moz-transform: translate3d(-5px, 0px, 0px);-o-transform: translate3d(-5px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(220, 89, 89, 0.34);box-sizing: border-box;'><section style='margin: 5px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 20px; color: rgb(0, 0, 0); letter-spacing: 0.8px; line-height: 2; box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span style='color: rgb(194, 32, 32);box-sizing: border-box;'>国寿“向右”，市场更认可？</span></strong></p><p style='box-sizing: border-box;'><strong style='letter-spacing: 0.8px;box-sizing: border-box;'>全球上市</strong><strong style='letter-spacing: 0.8px;box-sizing: border-box;'>寿险企业市值第一</strong></p></section></section></section></section></section></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>1. </strong></span></em><strong style='box-sizing: border-box;'>改革首份成绩单：收入↑利润↑</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>①总保费、首年期交保费，稳步增长</strong><br style='box-sizing: border-box;'></p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>②新业务价值、投资收益显著提升</strong><br style='box-sizing: border-box;'></p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>今年，在新冠疫情的重压之下，不少寿险公司保费规模大幅缩水。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>但是，国寿却凭借开门红的出色战绩，实现了规模稳定增长的同时，利润大幅提升，做到了平衡发展。</p></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>2. </strong></span></em><strong style='box-sizing: border-box;'>市值翻倍，重回全球上市寿险企业市值第一！</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>更重要的是，近两年中国人寿的市值几近翻倍，重回全球上市寿险企业市值第一。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>这也说明了，资本市场对重振国寿改革成效的认可！</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>当然，这一切的背后，都与国寿的鼎新改革工程，密切相关~</p></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>3. </strong></span></em><strong style='box-sizing: border-box;'>鼎新改革，进入收尾之年！</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>2019年，中国人寿提出鼎新改革工程，以“三大转型、双心双聚、资负联动”为战略内核，以重振国寿、持续增长为发展目标，力争实现建设国际一流寿险公司的使命愿景。</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>分阶段看，2019年，国寿已经基本实现了组织架构的调整；2020年，全面启动了变革转型的项目，推进经营机制的落地。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>2021年，将在前期工作的基础上持续优化完善改革，进入鼎新改革的收官之年。</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>看到这儿，大家会发现，改革进程“过半”，中国人寿、平安人寿，寿险公司两巨头，似乎出现了“一左一右”的发展。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>那么，国寿是如何实现的保费规模稳健增长呢？</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>今天，小编带大家详解一下，国寿鼎新改革的两大重要工程，一是以客户为中心的销售布局，二是科技对重振国寿的重要支撑作用。</p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: center;margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;' powered-by="xiumi.us"><section style='border-top: 1px dashed transparent;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 11px; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;padding-right: 0.2em;padding-top: 0.5em;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 3em;height: 3em;border-width: 1px;border-style: solid;border-color: rgb(249, 110, 87);padding: 3px;border-radius: 100%;box-sizing: border-box;'><section style='width: 100%;height: 100%;border-radius: 100%;background-color: rgb(249, 110, 87);color: rgb(255, 255, 255);font-size: 20px;line-height: 1.4;box-sizing: border-box;'><p style='box-sizing: border-box;'><em style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>3</strong></em></p></section></section><section style='display: inline-block;vertical-align: top;width: 6px;height: 6px;border-radius: 100%;margin-left: -0.5em;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;width: 3px;height: 3px;border-radius: 100%;margin-top: -0.22em;margin-left: 0.1em;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;' powered-by="xiumi.us"><section style='border-top: 1px dashed transparent;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='text-align: center;margin: -5px 0% 20px;transform: translate3d(3px, 0px, 0px);-webkit-transform: translate3d(3px, 0px, 0px);-moz-transform: translate3d(3px, 0px, 0px);-o-transform: translate3d(3px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 93%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(220, 89, 89, 0.34);box-sizing: border-box;'><section style='margin: -5px 0% 4px;transform: translate3d(-5px, 0px, 0px);-webkit-transform: translate3d(-5px, 0px, 0px);-moz-transform: translate3d(-5px, 0px, 0px);-o-transform: translate3d(-5px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(220, 89, 89, 0.34);box-sizing: border-box;'><section style='margin: 5px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 20px; color: rgb(0, 0, 0); letter-spacing: 0.8px; line-height: 2; box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='letter-spacing: 0.8px;box-sizing: border-box;'>详解一：销售布局</strong></p><p style='box-sizing: border-box;'><strong style='color: rgb(194, 32, 32);letter-spacing: 0.8px;box-sizing: border-box;'>从三大渠道，到一体多元</strong></p></section></section></section></section></section></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>1. </strong></span></em><strong style='box-sizing: border-box;'>一体多元的销售布局</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>2. </strong></span></em><strong style='box-sizing: border-box;'>组织变革，壮大个险队伍</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>国寿进行了销售队伍的融合，将原来在银保、团险等渠道中服务个人客户的队伍，整合到个险队伍。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>同时，统一了标准、运作和考核，使团队发展更加的专业化，壮大了个险销售队伍的整体实力。</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>此外，收展队伍坚持以年轻化，高素质为标准，重点对接城区市场的年轻客户群体。<br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>与此同时，设立个险的企划和运营部，并将综合金融纳入个险版块。</p></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>3. </strong></span></em><strong style='box-sizing: border-box;'>机构分类分级，每年评估</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>为了优化资源配置，实施动态管理，国寿还根据各级公司的价值创造能力，进行了机构分类分级。</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>按照市场化，差异化的原则，分类配置资源，并且每年进行动态调节，将公司的资源向重点市场、重点机构倾斜，从而提高资源投入的产出效率。</p><p style='box-sizing: border-box;'><br></p><p style='box-sizing: border-box;'>其实，产能与资源的匹配很重要，之前“13精”也从机构和人均产能的角度分析过，参见《<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzI1ODI3MzU4NQ==&mid=2247500175&idx=1&sn=149a437997ba721253531f3c263f7fe2&chksm=ea0839d1dd7fb0c7a72c30468c0887b93171b214a90a466fa8f2a713210ec57cdb8e569e1133&scene=21#wechat_redirect" data-itemshowtype="0" tab="innerlink" data-linktype="2">寿险公司：对标不同规模公司的机构产能和人均产能！</a>》<br></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>此外，国寿还展开了体系化的网点布局，推进专业化的经营，以做强基层组织。</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>4. </strong></span></em><strong style='box-sizing: border-box;'>多元板块，加速融合变革</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>多元板块，分为团险、银保、健康险三个渠道。在复杂多变的外部环境下，加速融合变革。</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: center;margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;' powered-by="xiumi.us"><section style='border-top: 1px dashed transparent;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 11px; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;padding-right: 0.2em;padding-top: 0.5em;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 3em;height: 3em;border-width: 1px;border-style: solid;border-color: rgb(249, 110, 87);padding: 3px;border-radius: 100%;box-sizing: border-box;'><section style='width: 100%;height: 100%;border-radius: 100%;background-color: rgb(249, 110, 87);color: rgb(255, 255, 255);font-size: 20px;line-height: 1.4;box-sizing: border-box;'><p style='box-sizing: border-box;'><em style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>4</strong></em></p></section></section><section style='display: inline-block;vertical-align: top;width: 6px;height: 6px;border-radius: 100%;margin-left: -0.5em;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;width: 3px;height: 3px;border-radius: 100%;margin-top: -0.22em;margin-left: 0.1em;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='display: inline-block;vertical-align: middle;width: 20%;box-sizing: border-box;'><section style='margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;' powered-by="xiumi.us"><section style='border-top: 1px dashed transparent;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='text-align: center;margin: -5px 0% 20px;transform: translate3d(3px, 0px, 0px);-webkit-transform: translate3d(3px, 0px, 0px);-moz-transform: translate3d(3px, 0px, 0px);-o-transform: translate3d(3px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 93%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(220, 89, 89, 0.34);box-sizing: border-box;'><section style='margin: -5px 0% 4px;transform: translate3d(-5px, 0px, 0px);-webkit-transform: translate3d(-5px, 0px, 0px);-moz-transform: translate3d(-5px, 0px, 0px);-o-transform: translate3d(-5px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(220, 89, 89, 0.34);box-sizing: border-box;'><section style='margin: 5px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 20px; color: rgb(0, 0, 0); letter-spacing: 0.8px; line-height: 2; box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='letter-spacing: 0.8px;box-sizing: border-box;'>详解二：科技国寿</strong></p><p style='box-sizing: border-box;'><strong style='color: rgb(194, 32, 32);letter-spacing: 0.8px;box-sizing: border-box;'>立足于众智、敏捷、迭代</strong></p></section></section></section></section></section></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>1. </strong></span></em><strong style='box-sizing: border-box;'>以科技产品负责制为核心，建立平台化业务能力！</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>2. </strong></span></em><strong style='box-sizing: border-box;'>加强线下与线上的融合</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>3. </strong></span></em><strong style='box-sizing: border-box;'>1700余项服务，覆盖公司整体价值链</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>并且，在有效管理海量长周期数据上，整合投放了覆盖公司整体经营价值链的6大类1700余项服务。</p></section><section style='text-align: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;'></span></section></section><section style='margin: 30px 0% 20px;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 95%;vertical-align: top;border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);line-height: 1;box-sizing: border-box;'><section style='text-align: left; font-size: 0px; margin-right: 0%; margin-bottom: 5px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 17px;height: 3px;vertical-align: top;overflow: hidden;background-color: rgb(249, 110, 87);box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='font-size: 18px; color: rgb(0, 0, 0); letter-spacing: 2px; line-height: 2; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: justify; box-sizing: border-box;'><em style='box-sizing: border-box;'><span style='font-size: 20px;box-sizing: border-box;'><strong style='box-sizing: border-box;'></strong></span></em><strong style='box-sizing: border-box;'>闲话</strong></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='height: 1px;box-sizing: border-box;'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='color: rgb(76, 76, 76);letter-spacing: 2px;line-height: 1.8;padding-left: 15px;padding-right: 15px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>其实，改革从来不是“一蹴而就”“立竿见影”的事儿~</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>而是，需要长时间的酝酿、沉淀后，提出一个符合自身且适应外部环境的目标，加上后期持续的努力、调整和坚持。往往，需要3年或者更长的时间，才能够观察得到成效。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>对于保险业来讲，2020年已经很艰难了，而即将到来的2021年也绝不会轻松~</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>于寿险公司来讲，<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzI1ODI3MzU4NQ==&mid=2247505992&idx=1&sn=6a3c86c25c202f7b51adff2b5fd48adb&chksm=ea082016dd7fa900372a3854481e54b741cff3f9fe411e08efea80402d7572cc734d2c3da88c&scene=21#wechat_redirect" textvalue="重疾险切换在即" data-itemshowtype="0" tab="innerlink" data-linktype="2">重疾险切换在即</a>，居民收入下降都是影响，于财险公司来讲，<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzI1ODI3MzU4NQ==&mid=2247507118&idx=1&sn=874849a99ccb8fdbf31b2fe40485e3fc&chksm=ea0824f0dd7fade6bf2f66b5563c6e5cab0f5b7713c0442aa3dfab60d0ed199ceaa70c8db20f&scene=21#wechat_redirect" textvalue="车险改革" data-itemshowtype="0" tab="innerlink" data-linktype="2">车险改革</a>带来的负增长影响，亟需加大非车发展来弥补，却又需要加强风险管控，压力也很大。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>希望，今天能够透过解读保险巨头的改革方针，能够让大家有所借鉴。<strong style='box-sizing: border-box;'>切记，眼下的得失并不重要，若是内功深厚定能逆转乾坤。</strong></p></section></section><p>转载声明：本文转载自「13个精算师」，权利归原作者，搜索「gh_a3e79567c209」即可关注，[<a target="_blank" href="https://mp.weixin.qq.com/s/XNPMTcqeVROhWugbZmo52Q">阅读原文</a>]。</p></div><p></p>
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