2022商业险业务展望
2022 Commercial Business Prospect
以“多元产品，品质把控，持续发展”为标志的3.0时代，各条业务线均展示出强劲的增长势头。本期月刊中，首席商业险业务官曾翔将从2021年回顾、2022年目标、核心竞争优势、合作资源、机构联动等多个维度分享商业险业务的机遇和发展。
强劲增长
在2021年，商业险业务已实现有利润的业务增长：保费同比增长41.2%，远高于市场平均增速。机构端商业险业务也取得历史性突破，保费较上一年度实现大幅度增长，机构间达成良性互动并成功孵化大项目。机构端队伍搭建逐渐成形，经营体系和销售、业管、理赔、运营等团队逐步完善，实现日常有效运营。
高光时刻
在天津港大爆炸案发生五年后，商业险团队迅速行动，服务客户，克服海内外各方压力，历经多轮协调与谈判，终于在2021年秋天追偿成功，收获了公司史上最大一笔代位求偿收益 —— 1.13亿元。
勇攀高峰
百尺竿头，更进一步。2022年，商业险将继续聚焦有利润增长，在着力开拓重点客户及战略渠道、加大对重点机构商业险能力建设的同时，深化与GI Hub和安盛信利的合作。
在机构端，团队因地制宜，针对不同客群的需求制定相应策略和产品线，比如在上海聚焦外资企业，在深圳着力中资高新企业，确保我们的解决方案能够切实满足当地客户的需求。
市场机遇
在商业险团队看来，尽管受疫情影响，整个保险市场仍处于迅速发展期，发展潜力较大，尤其是三四线城市的机遇广阔，相较于其他外资机构，安盛在这一领域具有较强的竞争力。
同时在中国对外直接投资平稳发展的进程中，尤其是高质量共建“一带一路”，为我们提供了不少国际业务机遇和跨国客户交叉销售的机会。
安盛优势
在中国市场，安盛商业险团队拥有完善的基础设施，稳定的专业队伍，以及扎实的业务基础，并得到了遍布全国的分支机构的协助支持，能够为当地企业客户带来具备国际一流水准的保障服务。
另外，作为全球领先的保险品牌，目前安盛已经为5600多家本地客户提供服务，并与市场主体建立了长期稳定的合作关系。立足中国，未来可期，我们期待为更多企业客户提供值得信赖的优质商业险解决方案。
As we usher in AXA Tianping 3.0 Era centering “Diversified products, Quality driven, Sustainable growth”, all business lines have obtained strong growth momentum. In this month newsletter, the Chief Commercial Officer Shaw Zeng will introduce the commercial business updates, 2022 goals, the team’s competitive edge, partnerships and collaboration with branches.
Robust Growth
In 2021, the commercial business recorded profitable growth with an YOY 41.2% increase in GWP, far exceeding the market average. Branches’ commercial business has made a historic breakthrough in GWP and large-scale projects, with healthy interaction with each other. Branches are on the right track to build their own commercial teams of sales, operations and claims, as well as operation mechanisms.
2021 Highlight
Five years after the Tianjin Port explosion, the team has taken immediate measures, followed closely with clients who suffered significant losses during the incident and negotiated with multi-parties despite various setbacks across geographies. And finally in 2021, we successfully pursued the Tianjin Port explosion Insurance recoveries and gaining the most subrogation fees ever for AXA Tianping – 113 million yuan.
Higher Goals
In 2022, the team will continue to strive for profitable growth, with a focus on developing key clients and strategic distribution partners and strengthening branch capabilities. In the meanwhile, opportunities to deepen the cooperation with GI Hub and AXA XL will be further explored.
For branches, our strategy is to tailor make solutions to cater to local clients’ diversified needs. For example, in Shanghai we will focus on foreign companies, while Chinese high-tech enterprises in Shenzhen.
Market Opportunities
We saw a rapid growth and great potential of the insurance market despite the pandemic. The prospect is much broader when it comes to third tier and fourth-tier cities in China, where AXA outruns other foreign peers with the nationwide branch network.
In the meantime, the country’s outward direct investment (ODI) activities and One Belt One Road initiative also provide plenty of opportunities for us to develop the RF business and cross sale.
AXA Advantage
We are proud to have built a comprehensive infrastructure and a professional team to lay a solid foundation. Working with all branches, we can provide top-notch services to local clients.
As a world leading insurer, the team is serving over 5600 corporate clients, having established a firm and long-term relationship across the market. Anchored in China, we look forward to bringing more relevant world-class solutions to more local clients.