Lin Kun looked sad: "Who is telling me that the farmers are simple, and I am really anxious with whom." I have encountered more messes in my year in Ludong County than I have encountered in the insurance industry in my life. ”

Yang Meng was speechless and said: "Brother Stick, I should be anxious with you when I say this, how can we peasants offend you? If you don't give an explanation, you really can't do it! We went to the city to work, and we were deceived by you city people who are like monkeys? Can I say that none of you city people are good things?"

Lin Kun hurriedly explained: "I said this wrongly, but I am really helpless." When I came to work with you, many things were more than I could have imagined. I'm just under too much pressure right now. ”

"What the hell is going on to make you rush like this? Insurance people are the type of people who talk so much, and it's a little puzzling that you can say things like that. Yang Meng was puzzled.

Lin Kun handed Yang Meng a cigarette and sighed: "Okay, I admit it, I've been a little crazy during this time, the key is that what happened here is a bit unbelievable." I've been a bit bit of a bit of a victim of this, so I'll talk about them one by one. Since you've worked in the insurance industry, you should know that insurance companies have a loan business, right?"

Yang Meng nodded: "Of course, there are businesses for enterprises and businesses for individuals. ”

Lin Kun smiled bitterly: "Here, both kinds of businesses have encountered a black hole! Some rural enterprises use mortgage loans to apply for loans from us, and then fail to repay them on time. The rural government came out and said that you do not support the poverty alleviation work in the development areas. It's a difficulty to get the loan back. And that's not the hardest, those individual customers are the hardest to deal with. The low repayment rate is scary. ”

"Personal business is difficult to deal with?" Yang Meng didn't understand what it meant.

Lin Kun nodded and said: "That's right, have you ever seen a village where everyone takes out a loan? When you call to collect the arrears, they directly say: If you have the ability, come to our village to try to collect money, and let you come in vertically and go out horizontally! I'm not exaggerating, there are hundreds of people in some villages, everyone cheats on loans, and everyone lives in debt in a small house at home. ”

Yang Meng opened her mouth wide: "Can it still be like this? What about their personal credit problems?"

"Personal credit?" Lin Kun smiled bitterly: "People have houses, cars, and all their relatives and friends are in debt, so what if you blow up his address book?"

"It doesn't have an impact on their lives, is it impossible?" asked Yang Meng.

Lin Kun said: "In such a village, there are 'untrustworthy villages,' financial institutions refuse to lend money to the whole village, government projects have to go around the village, and there are all kinds of restrictions on people who owe money in the village going out, but if they don't pay it back, what can you do? Moreover, when it comes to demolition and relocation or shantytown reconstruction, the rate of loan fraud can reach a peak! Last year, some people went missing from the shantytown renovation in the county town by directly taking out loans. You also know that the relocated households will be relocated to a new place and resettled, and there are really too many people who use their original household registration address to defraud loans. ”

Yang Meng was puzzled and asked, "Won't you not lend?"

Lin Kun shook his head, stretched out a finger, and said: "You don't give money? People will say: I meet the loan rules, but you don't give me a loan, this is not supporting agricultural production and discriminating against farmers! I will go to the 'Insurance Regulatory Commission' and the 'Financial Office' to sue you." What do you think we're going to do?"

Yang Meng's eyes widened: "What are you talking about? Farmers open their mouths, 'Insurance Regulatory Commission', shut up, 'Financial Office'? Even people in the city don't know this, right?"

Lin Kun stretched out a second finger: "That's the problem, there must be some loan officers who give them ideas." But it's not necessarily our team's problem. Now the whole Ludong County has reached the point of 'credit flooding', many financial institutions have taken this place as a force point, we are also stationed at this time, and now go to a commissary to meet the boss may be a loan officer, to buy a pack of cigarettes are recommended to you for a loan. The various loan platforms are fighting each other, and only when they get more business volume will the company have the next round of financing, or it will die. In the end, the villages and towns will be over-credited, and the rate of fraudulent loans will remain high.

Yang Meng scratched his head and said, "Brother Stick, I really can't help you in the situation you said." ”

Lin Kun smiled bitterly: "Actually, I also know that you can't help me with this matter, I just haven't been worried about it lately, after all, there are too many things like this." I was so uncomfortable that I found someone to spit it out. Asking you to help me be a listener. ”

"Huh, is there anything else to worry about?" Yang Meng heard the meaning of Lin Kun's words.

Lin Kun nodded: "Another example is agricultural insurance, and the trouble is not small." All kinds of collective insurance fraud are endless. ”

"Collective insurance fraud?" Yang Meng was stunned and said: "I know about agricultural insurance, our village also has it, the state has subsidies, and there are a series of preferential policies, which every rural family in our country has." ”

Lin Kun took a puff of cigarette and said, "The most important insurance in rural areas is actually agricultural insurance. Whether it is breeding insurance or planting insurance, it is our main business. The offer is not insignificant. For example, for a sow, you pay 60 yuan a year in premium, 48 yuan in finance, and the farmer only needs to pay 12 yuan. ”

Yang Meng nodded: "I know that our village mainly has more planting insurance, and the financial subsidy is 40%. What's wrong with that?"

"Problem, big problem!" Lin Kun said with a wry smile: "Let me give you an analogy, there are four pig farmers in a village, and only one of them here may be insured." If there is a case of large-scale pig deaths such as swine fever, the remaining three farmers will transport their dead pigs to the one that has purchased insurance to file a claim together. They will even prepare a large freezer for the dead pigs, and take it out every once in a while to repeat the claim for compensation. ”

Yang Meng heard the question when he heard this: "Isn't it? This application for compensation requires professionals to settle the claim on the spot, how can it be repeated without colluding with insiders?"

Lin Kun explained: "They also have methods, such as taking pictures of dead pigs from different angles, etc., of course, there is indeed collusion with insurance companies to cheat insurance, and the compensation farmers and insurance company employees are divided in half." For farmers, this is money falling from the sky, and for insurance claims adjusters, it is 'extra money'. And that's not even the most hateful. ”

"Isn't this the most hateful?" Yang Meng asked puzzled.

Lin Kun nodded and said: "For example, a farmer raises fifty pigs, and all of them are insured, and it turns out that the pigs have swine fever, the farmer will quickly collude with the employees of the insurance company to urgently increase the number of insurance, such as adding insurance for one hundred pigs, and finally fifty pigs die, he can get the compensation of one hundred and fifty pigs, and then share the spoils with the employees of the insurance company." ”

Speaking of this, Lin Kun lit another cigarette: "You just said that your hometown is very dangerous to plant, then let me ask you, you have 100 acres of land, but only 50 acres of land are guaranteed, who will measure it for you? You raised 500 pigs, but only 50 were protected." When there is a problem, all the dead pigs or grain that have problems will be counted in this small number of insured places. The most frightening thing is that the peasants do not think this is a deception, and the village cadres in the rural areas do not think it is a deception. The list goes on!"

"Don't you want to solve it? These things are usually in collusion with the claims adjusters, aren't they? Why don't you make a fuss about the claims adjusters? Yang Meng raised doubts.

Lin Kun asked rhetorically: "Solve it? How to solve it? Do you think I haven't thought about this problem? When there is a situation where the insured says that there are dead pigs, we simply pay to hire a member of the veterinary station to do the investigation." ”

Yang Meng waved his hand when he heard this and said: "That's even worse, Brother Stick, you don't know the countryside, this veterinary station has to sell veterinary drugs to farmers every year, and there is frequent contact, which is linked to interests!"

"Who said it wasn't!" Lin Kun patted his thigh: "It's easier for those veterinarians to falsify when they survey and weigh, they have the final say on how big and heavy a pig is, and the operation space is huge." You let us look at the picture and guess how much a pig weighs, is that possible?"

Yang Meng scratched his head, Lin Kun told himself about these things, he couldn't help?

"Brother Stick, I don't think these responsibilities are on you either, all insurance companies will face these problems. Yang Meng expressed her feelings.

As a result, hearing this, Lin Kun was even more worried: "What you said is also right, these things can actually be encountered by all insurance companies, and they are not our family's problem." But in order to change our unfavorable situation, I started some business with the town hospital. ”

"Do business with hospitals?" Yang Meng was stunned after hearing this: "Your insurance company is still linked to medical insurance?"

Lin Kun shook his head and said, "It's medical equipment liability insurance." ”

Yang Meng suddenly realized: "If you can take down such insurance, it means that you are very capable." As far as I know, such medical device liability insurance is negotiated with top medical device companies, and the risk is extremely low. That's a lot of profit. Your insurance company should recognize you!"

"Who said it wasn't!" Lin Kun said, "But who knew that something happened here, and it became the last straw that broke the camel's back." The town hospital purchased a world-leading photonic knife equipment from the world-famous Norton Medical Equipment. I went to negotiate and won the medical equipment liability insurance of this photon knife equipment. That's a high-tech device that costs tens of millions. Who would have thought that something would go wrong with this thing: the photon knife malfunctioned during the treatment of a patient, resulting in the death of a patient. Now we are facing tens of millions of compensation to the town hospital! I have been cooperating with the Norton medical staff to investigate this matter since the beginning of the year, and I did not go home for the Chinese New Year, but from the feedback I received from the Norton medical staff, the situation is not optimistic. We will most likely have to compensate for this cost. ”

"Wait a minute!" Hearing this, Yang Meng interrupted Lin Kun's words: "Are you talking about Norton Medical's photon knife equipment? Is the employee of Norton Medical called Lu Xin?"

"Huh, how do you know?"