Standard insurance, standard premium, is a concept of statistical premiums for life insurance.

Generally speaking, standard premium refers to the premium income formed by converting different types of new business according to the contribution to the profit or value of the life insurance company according to a certain coefficient during the reporting period. The standard premium is the same value standard after conversion of different types of business, which can more objectively reflect the operating conditions of life insurance companies or the development of the life insurance industry than premium income.

The corresponding is the premium data of regulation, scale premium, and actual income.

Multiplying the scale premium by the premium payment period is the standard premium.

Prior to 2006, the standard premium was generally based on a 20-year payment period. Wanjia is the most demanding, and the payment will be discounted for 19 years. After 2006, the 10-year payment is also considered as the standard premium. Of course, additional short-term insurance still needs to be discounted.

If the payment period is less than 20 years, it will be converted according to the corresponding proportion. For example, 10 years is 0.5, and single payment (one-time payment) is 0.1.

The battle between the concept and scale of the standard premium reflects the development of the insurance industry.

At first, there was nothing to pay attention to, and everyone was confused.

Later, some companies began to pay attention to long-term payment, using standard premiums as the statistical caliber to highlight the orientation of product structure adjustment.

Later, everyone understood the importance of standard premiums. As a result, most companies are pushing for long-term payment products.

After the opening of the new channel of bancassurance, it was very popular to pay in a lump sum, pay in three years, and pay in five years. The premium injection is serious, and the market ranking and share are also chaotic for a while.

Some companies still adhere to their own strategic policy and stick to long-term payment products.

Some companies have made a large number of short-term payment products for a variety of reasons.

Unexpectedly, in 2006 and 2007, the capital market was booming. Although the underwriting profit of those companies with more short-term premiums is not high, because of the large scale of premiums, the corresponding investment scale is large, and they make a lot of money in the capital market!

And companies that stick to long-term value, while having the right long-term strategy, are missing out on this wave of short-term opportunities.

However, in the new historical cycle, the new subject has created a new development model. With the asset-driven model as the main model, it has obtained massive premiums through the high settlement interest rate of short-term products, and used high leverage to attack shares, holdings, and acquisitions of enterprises. It has attracted great attention from academics, businesses, finance, law, regulators, media and even higher levels of the state for several years!

Some star enterprises and star entrepreneurs, and even central enterprises are involved. Economists are also arguing, and even taking sides with each other. The media was jubilant because there was so much to write about and disseminate.

Among them, there are some gossip news that seems to be true and false, including the background of the red family, what braised pork, and what hoe earth club, all of which have been dug up by the media and reported flickering and far-fetched. It has triggered a collective and lasting climax of many melon-eating people!

In the end, the leader of the high-ranking and high-ranking leader lost contact, the relevant enterprises were punished, and the person in charge of the highest supervision unit was dismissed.

China's insurance industry has returned to the old path of adhering to value and sticking to the fundamentals of the industry.

You see, that's the trouble that premiums pull out. Behind the standard premium is a series of swords and swords, money never sleeps, and so does capital, which is always flowing. As long as the capital is flowing, the story behind it will never end.

This is a later story, and the number of characters involved, the huge amount of funds, and the great social impact require a lot of space to tell. I'll mention it for the time being, and I'll talk about it in detail later.

In Longcheng in 2003, it was not easy for an institution that had not opened to do a standard insurance of 100,000 yuan in this month.

However, after everyone carefully broke it down, they also felt that it was not impossible to challenge.

Yang Xiaolan said: My team first guarantees to complete 20,000 yuan, and strive to reach 30,000!

Everyone applauded her, and then everyone continued to break down. Yu Yuanming said that my direct administration has completed 10,000!

Yuan Xiaowen said that my team completed 20,000.

The rest are Yuan Xiaoping and Su Liyong. Two people, you pushed me and let me still not make up the 100,000 yuan. Su Liyong suddenly said to Yuan Xiaoping: Didn't you say that you still want to introduce a supervisor?

Yuan Xiaoping said: I haven't come yet. Not here yet. Let's talk about it later.

Su Liyong said: That's not good. If you want to occupy a place in the supervisor, you have to contribute! Give her 10,000 yuan.

Yuan Xiaoping disagreed, and the two of them talked for a long time, but finally agreed.

Yu Yuanming later learned that the female supervisor Su Liyong said was a salesman who worked as an insurance clerk in Wanjia very early, named Wang Xiaoli.

Wang Xiaoli was originally only a part-time insurance worker, and her performance was good, but she left Wanjia because of a trivial matter. Now I still work in the unit, and my husband has set up an advertising company by himself.

Yu Yuanming didn't expect Yuan Xiaoping to find a part-time job to be a supervisor, and asked him if he could do it?

Yuan Xiaoping said: Don't have a good business back then!

Yu Yuanming said: It turned out to be the original, but the problem is that it is now a part-time job, what should I do with attendance? Who will tutor the group members?

Yuan Xiaoping replied: Zheng Xiaolan is not a part-time job? Qin Yufang is not a part-time job? As long as she can do business, it doesn't matter if she works part-time. Some part-time jobs are better than full-time.

Yu Yuanming disagreed with his statement: It is okay for a salesman to be part-time, how can a supervisor be part-time? Besides, it is the one who needs to be hired, and you don't know it?

Yuan Xiaoping said to him a little bit: When the time comes, she has a way to deal with it.

In fact, what Yuan Xiaoping didn't tell Yu Yuanming was that he had already contacted Di Shengqing directly. And now he is in contact with Di Shengqing alone, he is silently accumulating strength, one day, he will surpass Yu Yuanming.

At that time, Su Liyong told Yu Yuanming: Yuan Xiaoping, don't be deceived by his honest appearance. He was in ambush about Wang Xiaoli, you see, I can't say anything if I don't ask him. In fact, it is also bragging, and I want to pull Wang Xiaoli to do the architecture. Wang Xiaoli didn't work in an insurance company for a long time, but now she has been away for a few years, and there have been many changes in the insurance industry, and she is still a part-time job. Whether it can be done or not is a question. Also, she originally had a job, her unit was not bad, she was beautiful, and her husband had been in charge of it tightly. I don't want her to come out and show her face.

You don't know, Yuan Xiaoping must have said a lot of good things and made a lot of promises to her.

Yu Yuanming found that Yuan Xiaoping's relationship with himself had undergone subtle changes, but he still didn't believe that Yuan Xiaoping would do anything unfavorable to him.

After all, people's hearts are good, and I am not sorry for him.

Besides, it was decided when he joined the company, his rank was senior supervisor, and he was the department manager. According to the Basic Law, it will be very difficult for him to surpass it. Even if you are promoted, it is still your own breeding department. Therefore, Yu Yuanming didn't take it to heart.