Chapter Ninety-Two: Ideas
The newcomer insurance sales contest has begun to register, and only one of the three groups has been registered, so everyone can guess who it is! Among the three newcomers, she is the only one who meets the requirements.
Qin Ye carefully prepared in front of the computer, sometimes she used slides to make courseware, and sometimes used gold collar marketing to check the rate. Refer to the current bank interest rate, the securities index of Shenzhen and Shanghai, the income of open-end funds, the futures market, the currency exchange rate index of various countries, capital investment such as treasury bonds, international and domestic events, etc. We have carefully designed this new set of customer integrated investment plan templates.
In her opinion, insurance agents are a special kind of financial planner. Influenced by her Western education, she hopes to introduce the concept of integrated financial management to the life insurance industry. She is the ideal insurance agent who can provide a full range of financial services to her clients.
Insurance is actually a branch of the financial field, is a must for every family, not all, many families due to the influence of unprofessional insurance agents, simply think that insurance is omnipotent, so they do a lot. This is not true, her profession told her that insurance is insurance, and it is to provide customers with a large amount of emergency cash in the most critical moment. It is to prepare for unpredictable accidents and diseases.
China is a big agricultural country, and there is a strong sense of saving, and many people save a lot of money from between their teeth to come in handy when there is a disease or disaster in the future.
The underestimation of inflation has led to a large loss of cash flow. Sadly, many people still take the interest on bank deposits as their living expenses, what is the difference between this and sitting on a mountain of empty food. As soon as prices rise, money shrinks. After all, it is not a Swiss bank, and the interest rate given by my country's bank is only simple interest, which is actually a form of interest that does not generate interest. Assets do not retain or increase in value. The interest rates offered by banks simply do not cover the shrinkage of funds caused by inflation. It is extremely foolish to over-protect assets whether they are stored in a bank or put in insurance. The traditional consciousness of the Chinese is difficult to change. It would be nice if it could be like a foreigner's idea.
She remembered the story of the wealth of old Chinese ladies and old foreign ladies.
The two old men met in heaven. The old Chinese lady asked, "Do you have any unfulfilled wishes in the world?"
The old foreign lady replied: "No, because when I left, I finally paid off the mortgage on the house I had lived in for 20 years!"
Then the old foreign lady asked, "What about you, what do you have to regret?"
"Alas! Don't mention it, I have tears in my stomach when I mention it! My regret is great! I have been saving hard for twenty years, and I have been saving for twenty years, and I know that I can finally buy a house, but it's a pity! I haven't lived for a day, so I came here to be your companion!" said the old Chinese lady helplessly.
Every time I think of this story, Qin Ye feels funny from the bottom of my heart, laughing that this story has been circulated for so long, how can anyone still be an old Chinese lady!
In fact, there is really no need to save so much. It is enough to put one-fifth of one-fifth of one's salary into insurance, so that the risk of illness and accidents is passed on to the insurance company, and there is no need to use one's life savings to pay for those unpredictable things, thus affecting the quality of life at the moment.
The newcomer insurance sales competition is in full swing. Qin Ye's speech won warm applause one after another.
"So what to do with the remaining savings, as the saying goes, eggs can not be put in a basket, if the assets in their hands are not invested, there will be no returns, the bank can only ensure that our assets are not lost, security is guaranteed, but can not ensure that our funds do not shrink, what to do? After all, customers want their funds to increase and increase, and none of them want their funds to shrink. Each of our insurance agents is a savior of our clients' funds and family protection. Customers can't do without us, and customers need us to carry out integrated banking services for them.
My point of view is that in the future, the development of insurance companies should break the concept of simply doing insurance, and establish our own comprehensive financial management group like foreign countries, and the employees are no longer insurance agents, but comprehensive financial consultants. Our company's organizational structure is also undergoing a new overhaul. The Integrated Wealth Management Group is divided into a corporate financial advisory subsidiary and a family financial advisory subsidiary.
The company's financial advisory company is oriented to enterprises, to take the pulse of enterprises, to provide advice for the production and operation of enterprises, financing, investment, investment in property insurance for enterprises, investment in group insurance for employees, etc. There is so much we need to do. At the smallest, it is for the enterprise, and at the largest, it is for the sustainable development of the country's economy. The burden and responsibility on our shoulders are not light! All of you here are the backbone and mainstay of our company, and we must first have confidence in the future development of the company. We firmly believe that the company will continue to take off and develop.
This requires us to continuously introduce high-end talents such as actuarial, budget, budget estimate, engineering cost engineer, real estate appraiser, certified public accountant, certified statistician, registered human resources engineer, and certified auditor. After careful calculation and operation, the enterprise has entered a virtuous circle of development. A certain percentage of the company's profits will be paid to our financial advisory company. This is a special form of service, which is not to sell physical strength to get paid, but to take wisdom and innovation as the core value of our enterprise.
The burden on the insurance agent is also not light. After all, you have to transform into a family financial advisor. This is also a great challenge to the improvement of the knowledge level of our existing forces.
I know that many departments under our life insurance company are full of talents, and everyone is proficient in all aspects of martial arts in 18 classes when they contact customers, and they are very good in both communication and professional insurance explanations. The challenge I am referring to is to slowly expand from the perspective of insurance to finance, that is, to involve these important areas of financial management, including securities, funds, futures, real estate, treasury bond investment, currency exchange rates, non-ferrous metals, crude oil, and even antiques, cultural toys, pets, and so on. This requires everyone to start their business from now on, and extensively dabble in these relevant knowledge, so as to reserve knowledge and wealth for the company's future transformation and prosperity.
Today, I took the opportunity of the newcomer insurance competition to communicate with you on the new concept of the transformation and development of the insurance industry in the future, which is also my personal immature experience. Thank you very much for your applause and affirmation. I hope that in the near future, we will have more opportunities to speak freely and communicate with each other. Thank you!"
The audience remembered the warm applause! Qin Ye bowed deeply and politely. Walk down the stage steadily and sit in your seat. The applause lasted and continued.
The manager of the third department stood up from his seat and took the lead in applauding, he never expected that this little girl in her twenties, but there was a lot of money in her chest, she said that the company's future development concept coincided with her own ideas, and she only realized the truth at this age, and people had already participated in it after graduating from university, and it was really the waves behind the Yangtze River pushing the front waves, and the new generation in the world replaced the old people! I was very happy to see that the future of the three departments and even the life insurance company was very hopeful.
Qin Ye won the championship of the company's newcomer insurance sales competition, and was awarded the title of gold medal five-star lecturer. This also means that in addition to her career, she also has to take on the work of the company's most cutting-edge trendsetters, and pass on her deep understanding of the industry, as well as the most cutting-edge knowledge and skills of the industry to her colleagues.
The corners of the director's disapproving mouth moved slightly, and there was nothing excited, after all, it was all expected by himself.
This also broke the embarrassing situation of three groups without lecturers for so many years. From then on, our group no longer had to spend money to hire lecturers! After all, Qin Ye is the best of the many five-star lecturers!