Drifter (89) - solvency
Yu Yuanming and Qin Shasha's wedding was held at the Golden Dragon Hotel, originally the summer in Dragon City was very hot, but it was relatively cool that day.
Everything is arranged and goes according to the normal process.
There's just one link that went wrong.
When the wedding car went to Taohua Town to pick up relatives and friends, many people gathered at the door of the house, and a group of rural instrumental bands were performing. Suona, gongs and drums are mixed with Western musical instruments, and a middle-aged woman with a black face is singing "Good Day" vigorously. Needless to say, this nondescript absurd scene must have come from Hong Sheng's handwriting.
When it came time to get on the bus later, Yu Hongsheng also wanted to bring the band to the city. Yu Yuanming refused on the grounds that he couldn't fit it.
I thought to myself: What is this? Who in the city wants to listen to this?
Wang Chengkuan also came, carrying the camera around to grab the lens.
He was still at a low point, and he didn't give gifts, and Yu Yuanming didn't think it was anything.
Di Shengqing also came, with a group of Gongzhou's department managers. The front and back hugs, very leader-like.
But under Di Shengqing's calm face, Yu Yuanming saw a trace of tiredness and tiredness.
Yuan Xiaobing also came, with his wife and children, and his smile seemed a little far-fetched and unnatural. It's not as sincere and beautiful as when he got married.
The wedding was presided over by Yu Yongchun, and the music was chosen by Yu Yuanming himself. The best man and bridesmaid are the employees of the hotel and Qin Shasha's former colleagues.
He Cheng was a witness to the marriage, holding the marriage certificate and reading out the marriage certificate number aloud: Dragon Wedding No. 2004999!
This number was specially determined by the students of the Civil Affairs Bureau. Instead of 888,666, 999 was chosen.
After the wedding was over and all the guests had finished in the evening, the tired and limp couple rested on the bed for a while and began to count the gift money.
The final statistical results were a little frustrating, not only did they not make money, but they also lost thousands of yuan after all kinds of expenses.
But after a major life event, the two were still quite happy.
No one made any noise in the cave room that night, so I took a shower and went to sleep.
Things are changing drastically, first of all, the non-payment of talents has caused great dissatisfaction among department managers and supervisors. Di Shengqing was under a lot of pressure but couldn't solve it, and the funds were all on it. He was only trying to appease the team.
After more than a month, the performance was obviously affected, and it was finally issued.
Moreover, the re-issuance of employment has led to trouble, that is, the tax deduction has increased. This cost cannot be avoided, and the supervisors are also holding back their anger and complaining.
In the end, it was only by punishing the branch that Guan Wuyan calmed down his anger. Public criticism, a fine of 200 yuan. It's her fault.
In fact, the whole company knows that Wu Yan is not responsible, just a scapegoat. Do you think, when will it be repaid, and where will it be paid separately or combined with the salary?
Yu Yuanming met Wu Yan at the branch, and when he talked about it, Wu Yan smiled helplessly, spread his hands, and didn't say a word.
One afternoon, Yu Yuanming was busy in the office.
A salesman walked in, glanced at the secretary Xiao Yang, and said to Yu Yuanming with some hesitation: Manager Yu, excuse me.
Yu Yuanming grinned: What's the matter?
The salesman was still a little hesitant and didn't know how to speak.
Yu Yuanming hadn't noticed it yet, but Xiao Yang spoke: Manager Yu, I'll go out for a while.
As soon as Xiao Yang left, the salesman said anxiously: Manager Yu, do you know? Everyone outside is saying that our company is going to collapse!
Yu Yuanming has heard a lot of this kind of talk. It turns out that Shenzhou often says that Wanjia's is going to collapse.
Yu Yuanming came casually: Don't listen to those messes! The company is very good!
The salesman didn't speak, took out a flyer from his exhibition bag, and handed it to Yu Yuanming.
Yu Yuanming saw that it was a copy of a newspaper. In the middle, framed by bold lines is a message "Qiankun Life's solvency is insufficient, and the company's operating risks are beginning to be revealed." 》
This sensational title startled Yu Yuanming!
I couldn't help but gasp and look at it.
In fact, there is not much content, that is, the CIRC found that the solvency of Qiankun Life and several other insurance companies was insufficient during routine inspections. The company has operational risks.
On the whole, the reporter's doubts are not particularly sharp, which is a hint! But for insurance companies, this matter is very serious.
Yu Yuanming asked: Where did you get this flyer?
The salesman was shocked: I was given to me by a customer. said that it was given to him by a salesman from Wanjia. Because of this customer, I am also chasing, and he is also chasing. We're all competing, and customers haven't decided where to buy yet.
Compared with the product, ours is a little cheaper.
Bigger than the company's fame.
So, the customer is a little hesitant.
Today I went to the customer again, but I didn't expect him to give me this. But it scares me terribly! Don't say that Qiankun is going to collapse and will be bought by Wanjia. Although I don't believe it, I don't know if it's written in black and white. So I'm in a hurry to come back and show you.
Yu Yuanming fixed his mind: In this way, you don't tell others first. Let me ask you about the situation first.
Salesman: To get, to the manager. Be sure to ask!
After the salesman left, Yu Yuanming immediately went to He Cheng's office, told He Cheng the original story, and also gave the flyer to He Cheng.
When He Cheng saw it, he was furious: Mom sells batches! It must be that Jia Xingde's ghost!
Mom's solvency is a matter of his hammer! Lao Tzu's affairs are in charge of selling batches!
Yu Yuanming asked: Manager He, is there any problem with the company's solvency?
He Cheng's eyes rolled: What if there is a problem? Which company has no problem? Wanjia has lost tens of billions of yuan in foreign investment this time, is there a problem?
If you want to talk about problems, everyone in the insurance industry has problems! This kind of villain is so hateful!
After talking for a long time, He Cheng didn't say anything famous.
Yu Yuanming decided to find out for himself.
The next day, at the morning meeting, many salesmen got a flyer. How can you work if you are panicked?
The worry finally became a reality, and Wanjia made many copies of this newspaper, and each salesman took a few copies and went out.
Needless to say, in Dragon City, Qiankun's reputation has encountered a great challenge!
Yu Yuanming didn't know what to do!
Because the result of yesterday's query is true. It's true that the newspapers are true, the reports are true, and it's also true that the company is insolvent.
Fortunately, although this newspaper is a national media, not many people read it in Dragon City. If it was like "Jiangnan Evening News" and "Jiangnan Morning News" published such a page, it would have to be blown up.
But Jia Xingde came to such a hand, but he was afraid that things would not be big, which would make Qiankun's people angry and helpless!
He Cheng made a phone call to Jia Xingde in a hurry, and Jia Xingde smiled on the other side of the phone and said, "I don't know! I don't know anything about solvency." Are you insolvent?
This kind of soft beating made He Cheng even more angry, but he couldn't solve it!
In those few days, Qiankun was simply a mess.
Yu Yuanming told everyone about the company's strength, prospects, and the company's construction of Qiankun Building in Beijing headquarters.
All this good news has no effect.
After all, judging from the vision depicted, Qiankun is very good.
However, for now, how to solve the solvency shortage is more critical!
Yang Xiaolan, who was far away in the township, also knew about it and asked Yu Yuanming: Manager Yu, what does insufficient solvency mean? Is the company about to collapse?
Yu Yuanming glanced at her, worried. So he put his hand on her shoulder, pretending to be relaxed and said: Sister Yang, don't worry. Actually, solvency is not a serious matter. It is to say that the company will not pay the customer's money in the future, which is not enough. It just needs to be added. Today, the headquarters has sent a lawyer's letter, demanding that the newspaper and the reporter apologize. The company's solvency is sufficient and there is nothing wrong with it. Either they misunderstand or maliciously slander!
In fact, from the perspective of insurance companies, especially life insurance companies. Solvency is too important! Because life insurance itself is a debt business, and the premiums collected are all from the customer, and they are only placed in the insurance company for the time being. When it expires in the future, you will have to pay according to the terms. Or if something happens, you have to pay according to the contract. There are also some customers who ask for the termination of the contract at different stages, and you have to pay more or less. These payments, payouts and payments, are guaranteed in cash. According to the regulations of the China Insurance Regulatory Commission, the solvency of a life insurance company needs to be 150 percent! That is to say, if an insurance company needs to spend 1 million yuan in the future, you should have 1.5 million yuan on your account to meet the standard.
With the opening of institutions across the country, the business team has spread rapidly, and the premiums have naturally shown explosive growth. The higher the premium, the more liability reserves should be withdrawn. Otherwise, what money will be used to pay, pay and pay in the future?
At this stage, including the four seas, all of them are facing huge solvency pressures. The difference is that Sihai has successfully issued enough subordinated debt to solve this problem satisfactorily.
And Qiankun's chairman's method is not that there is no way to do the same things all over the world, but because he has more ideas.
It wasn't until a year later that Yu Yuanming learned the cause and effect of this incident. Of course, he didn't know it at the time.
A few days later, Di Shengqing came to Dragon City again. Dressed in an off-white suit, his hair has been carefully trimmed, and he looks energetic and energetic.
I convened a meeting with the supervisor and listened to everyone's bitterness. Two things were conveyed to everyone: 1. The company has no problem. The media said that the solvency was insufficient because the journalists were unprofessional and had a wrong understanding of the statistical caliber of solvency. The hype of individual peers is very bad, so don't be afraid, the newspaper will issue an apology statement immediately.
2. Individual companies in the same industry have lost tens of billions of dollars in overseas investment, and the current hole cannot be filled. Therefore, a large number of universal insurance is sold, in fact, the customer's investment is to fill this hole. Tell the customer to do it yourself!
Di Shengqing came and went in a hurry, and soon rushed to the next stop.
Sure enough, within a few days, the company's newspaper published an article about solvency. The media that originally published Qiankun Life's solvency was insufficient also published an "apology statement" the size of dried tofu.
The solvency crisis was over, but morale was also affected.