Chapter 840 Insurance
"The big boss spoke, not only raising the basic salary once every three months, although it is not much and only raising the monthly salary by 10 yuan each time, but it is an automatic increase, and the salary has always been raised. What's more, there are also sick hospitalizations that can be reimbursed for medical expenses. At the age of 55, you don't have to work, you also have a pension when you retire, and you will be treated part-time like a retired national cadre. ”
"Mr. Lin is called a big entrepreneur, like those small private bosses, talking is like a fart. ”
"In the future, our Xinai Industrial Group will be treated almost compared with some state-owned enterprises with good performance. ”
After Lin Qi raised the employee benefits of Xinai Industrial Group, the more than 2 million employees of the entire group rushed to inform each other of Mr. Lin's good governance.
The beneficiaries of this policy are not just two, but 2 million grassroots employees. In order to maintain this policy, it is expected that spending may increase by billions or more every year, and spending will increase every year. This is because more and more people are retiring, and salary increases and medical reimbursement are likely to continue to grow.
But Lin Qi doesn't care, it doesn't matter if the short-term profit decreases, just find a way to make more. What's more, the increase in expenditure of Xinai Industrial Group is actually nothing in front of the amazing profits of the entire Xinchuang Electronics Group.
The entire New Love Industrial Group employs more than 2 million people. Shenzhen has a maximum concentration of 470,000 employees. Most of the other employees are distributed in more than 30 cities in China, and there are thousands of employees in relatively small factory areas. Relatively large-scale factories, a factory with more than 100,000 and 200,000 employees, plus the employees' families and families, and supporting the tertiary industry, such a super factory is equivalent to rising from the ground and building a new industrial town with a population of 30~500,000 people. Moreover, the GDP and tax revenue contributed by industrial output value are still very good.
Therefore, the profits of Xinai Industrial Group are not high, but it contributes a lot of employment and tax revenue, so Xinai Industrial Group is actually a fragrant bun that many cities in China are trying to pull together.
As long as Xinai Industrial Group settles in a city, a small city can quickly become an economic transpiration and develop into a third-tier city.
However, for a long time, the income of the employees of Xinai Industrial Group was not too high, and the employees in the inland cities did not feel it deeply. Employees in first-tier cities such as Shenzhen, Guangzhou, and Shanghai already feel that their income and benefits are even inferior to those of large enterprises such as Baosteel, PetroChina, Sinopec, Power Grid, and tobacco companies.
However, the adjustment of the employee welfare policy announced by Lin Qi this time is still incomparable with other companies in the new entrepreneurship department. However, it is already similar to large enterprises such as Baosteel and PetroChina.
Of course, the welfare system is a bit close to that of large domestic enterprises, but it is actually based on Japan's lifelong employee and seniority system. The core of the annual merit sequence system is to sign a lifetime contract, and the company has taken care of it from entry to grave.
This system has been evaluated by later generations with mixed reviews. Praise believes that the annual merit sequence system is the cornerstone of Japan's economic miracle after World War II. Many companies rely on lifelong employees to dedicate their lives to the enterprise, ensuring that the company can specialize in certain fields and develop into industry giants.
For the lifelong employees and the depreciation of the seniority system, it is believed that this makes the enterprise management mechanism rigid and cannot adapt to the ever-changing market-oriented competition. As a result, later Japanese companies, let alone tenured employees, had relatively few long-term and short-term employees, and most of them were dispatched employees contracted through third-party companies. In this way, there is no need for severance pay for layoffs, and once the dispatched employees lose their use value, and the contract with the third-party company is terminated and not renewed, people can be swept away.
Lin Qi's view of the annual merit sequence system is neutral.
It may not be applicable in terms of technological innovation and Internet and other businesses.
However, in the traditional manufacturing industry, it is a skilled worker, who is far more efficient than a new hand, and can better complete the task according to the requirements.
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Of course, if the income of enterprises cannot be effectively increased, it is impossible to ensure that these policies will be implemented in the long run. Therefore, under the coordination of Lin Qi, Xinfei Electronic Technology Co., Ltd. took the lead in announcing that the foundry cost of VCD, CD optical drives and other equipment of Xinai Electronics OEM will be increased by 10 yuan per unit. For DVD and DVD-driven related products, the OEM fee for each unit will be increased by 20 yuan.
After Xinfei Electronics took the lead, Pangu Computer Co., Ltd. soon announced that it would increase the price of the whole machine assembly OEM by 50 yuan per unit. Display assembly business, the price is increased by 30 yuan per unit.
In response to the response of major new entrepreneurship enterprises, Xinai Industrial Group expects that in the absence of major changes in orders, it can easily increase its revenue by more than 10 billion yuan through the collective blood transfusion of the new entrepreneurship department this year.
Through the growth of revenue, Xinai Industrial Group has more capital to maintain the current improvement of employee benefits.
Of course, Lin Qi refers to Japan's annual merit sequence system in terms of welfare system. However, it is similar only in terms of basic salary, pension and medical care, and non-redundancy.
In fact, in the management system, it is still to appoint meritocracy, rather than seniority.
The entire Xinai Industrial Group is distributed in more than 30 cities, and the number of factories adds up, almost more than 1,000. Therefore, the management is more concerned about the management ability from the grassroots level to the workshop and factory. After having a lot of experience, you will gradually be promoted to a higher position. Instead of looking at who is in the company, the older the seniority is mixed, the older the older will be allowed to hold a higher position by default.
In fact, when it comes to talent selection, merit is more likely than seniority.
After determining the medical and pension mechanism of Xinai Industrial Group, Lin Qi knew that if the medical and pension security was the responsibility of the enterprise itself, it might affect the pension and medical security in the future because of the stable operation of the enterprise. Therefore, the transition period is for the company to pay pensions and medical insurance to its employees.
But in the long run, it is still necessary to find a professional insurance company to cooperate. In this regard, it is much more professional for insurance companies to do it than for the company to manage everything themselves. At the same time, the funds of endowment, medical and other insurance are entrusted to the insurance company, which is also more assured.
Of course, for the insurance industry itself, Lin Qi is also salivating. In later generations, China's population was close to 1.4 billion, the economy was still in a period of rapid development, and the insurance market gradually began to rise, so the growth of premiums was very rapid. Moreover, the premium income is equivalent to the insurance company borrowing leverage to make low-risk investments in savings, bonds, etc., and at the same time, making investments with a small amount of equity, real estate and other risks with greater exposure. In the future, the long-term growth of China's economy will determine the rapid growth of income and profits in the insurance industry.
What's more, in the future, the pension and medical insurance funds of the 2 million employees of Xinai Industrial Group will be turnover and operation through the hands of insurance companies. A conservative estimate of billions of dollars in premiums every year can ensure that an insurance company with a good scale can be built. In line with the principle that fertilizer and water do not flow into the fields of outsiders, such an insurance company is not as good as its own enterprises.
Therefore, Lin Qi applied to the state for a special insurance company license on the grounds that the pension and medical security of the employees of Xinai Industrial Group were the reasons.
The name of the license application is Xinqi Future Holdings Co., Ltd., because at present, only Xinqi Future Holdings has nearly 100 billion yuan of liquidity. With this fund, part of it can be used as the capital of the insurance company, and an insurance giant with a good starting scale can be established.
Judging from the simple employee premium income and expenditure of Xinai Industrial Group, it may be that the insurance company does not make money, but loses money. But...... In the long run, if the premium is taken out and invested, it will definitely be profitable in a few decades.
What's more, the business of Xinai Industrial Group is only in the initial stage of development, and it will wait until the business scale is stable. With more than 2 million insurance customers as the foundation, and gradually developing more customers, then I am afraid that there will be one more new giant in China that has the strength to challenge the strength of insurance giants such as Ping An, Life Insurance, and Xinhua.