2024年一季度员工大会成功举行
2024 Townhall for the Frist Quarter
新春聚力，众志成城。3月12日，2024年一季度全员大会在瑞明职场召开。在龙年的初春，我携同安盛天平管理团队与现场参会的总公司各部门，以及在线的全国各分支机构和中心的同事们共同回顾2023年的成绩，展望2024年的发展大计。
2023年是充满挑战的一年，也是我们取得出色经营成果，值得庆贺的一年：全公司保费收入63.5亿，保费同比增速8%，所有业务线均实现了正增长；全年亏损额同比减少60%，是独资以来减亏幅度最大的一年；各产品线成本均有改善，共有19家机构的盈利水平得到改善；公司偿付能力充足率239%，比2022年上升了37个百分点；全司STIC得分97分。这份成绩来自每一位伙伴的努力，我们每个人都该为此而骄傲！
2024年，是公司扭亏为盈的关键一年，也是打造面向未来的核心竞争力的转折之年。在宏观经济充满挑战、市场竞争加剧的大环境下，加之新一轮的金融监管体制改革，行业必将走向高质量发展，公司也将顺应这一趋势，坚守“利润导向”，全司上下贯彻“降本文化”，集中资源打造盈利能力和可持续发展的业务基盘，走出属于安盛天平的独特发展道路。
2024年，在各条业务线发展方面：车险的利润导向不变，亏损机构需及时止血，盈利机构需跟上市场增速，稳定公司车险基盘；健康险需要集中发力新增业务，精细化渠道经营，向优质渠道倾斜资源；商业险持续提升两核及销售能力，严格成本管控；零售险保持叠加利润贡献，同时探索高质量增长。
2024年是效率提升、精益运营之年，为提升中长期竞争力，我们必须自上而下贯彻降本文化，完善各项成本管理的体系建设，严控各项费用支出，精打细算投入产出；集中资源，打造核心竞争力，提升定价、核保、理赔的技术能力，数字化赋能销售及理赔效率提升。同时夯实消保和合规建设基石，机构负责人守土有责。
在2024年目标展望环节，首席财务官Pierre LAUR表示，公司将坚持业务品质优先，聚焦车险精细化经营，持续推进非车高质量转型；全司各条线、各机构共同推进成本管控，坚决实现利润目标，探索可持续的经营之道。
公司执行副总裁、首席渠道管理和销售官周连成与全员分享了2024年的机构全险种保费任务及增长目标，并表示将通过贯彻成本优先和价值导向的文化，落实可持续发展等举措来确保业务目标的达成。
总经理助理兼总精算师、首席定价官殷兆男介绍了车险在2024年的工作重点，围绕亏损机构减损，严格执行手续费额度管理，减少获客成本亏损；推动盈利机构发展，协调必增业务与新兴业务的发展步伐，做好全司的稳定器和助推器。
健康险事业部负责人丁侃提出健康险在2024年换挡提速，通过总部赋能、机构部署、渠道深挖和客户价值四个维度实现巩固转型成果，精进专业能力的目标。
首席商业险业务官曾翔用“机遇与挑战并存”总结了商业险在2023年的表现，提出2024年要实现有利润的增长，并对商业险的保费、管理成本、核保端和理赔端均提出明确要求。
总经理助理兼首席理赔与客服官阳勇，强调了消保工作的重要意义——既是监管关注重点，又是落实以客户为中心的抓手。他要求不断完善消保工作机制，加强消保工作力度，通过理赔减损、廉洁合规管理和风险防范等举措，为达成全年经营目标做出贡献。
在此次大会的表彰环节，共有25位总部和机构同事摘取2023年度安盛之星，10支优秀团队荣膺总裁大奖，他们共同诠释了客户优先、团结一致、勇敢决策、正直领导的安盛核心价值观，值得每一位同事学习和借鉴。
一年之计在于春，新的一年，安盛天平也将继续笃定前行、乘风破浪，开启持续盈利和高质量发展的崭新篇章！
On March 12th, the first company townhall in 2024 was held in Ruiming. At the beginning of the Year of the Dragon, I, along with the management team, reviewed the achievements of 2023 and outlined 2024 plan, joined by colleagues from across all departments of the headquarters as well as branches and centers across the country’s remote participation.
2023 was a year full of challenges, and a year of fruition too, thanks to a set of excellent business results that worth celebrating: the company achieved a total premium income of 6.35 billion yuan, with an annual growth rate of 8%, underlined by positive growth achieved by all business lines; the annual loss decreased by 60% year-on-year, marking the largest reduction since the company was established after its full acquisition by Group; 19 branches’ profitability has been improved while the solvency ratio reached 239%, leading to an increase of 37 percentage points compared to 2022. Overall, the company achieved a score of 97 regarding the STIC. The achievement belongs to every one of you, and we should all be proud of it!
This said, the year 2024 is still a critical year to turn losses into profits. A pivotal year too, to build our core competitiveness for the future. Amidst challenging macroeconomic conditions, intensifying market competition, and a new round of financial regulatory reform, the industry is bound to move towards high-quality development. The company will follow this trend, adhere to a “profit-oriented” approach, implement a “cost reduction culture”, focus on building profitability and sustainable business fundamentals, to forge a unique development path for AXA Tianping.
In 2024, with regard to the development of all business lines: the profit-oriented approach for motor insurance remains unchanged; lossmaking branches need to mitigate losses promptly while profitable branches need to keep up with market growth and stabilize the company’s motor base. It is expected that Health focuses on new business development, refines distribution management, commercial insurance continuously improves underwriting and sales capabilities, and strictly control costs, and retail insurance maintains the superimposed profits, while exploring high-quality growth.
2024 is set to be a year of efficiency. In order to improve the medium- and long-term competitiveness, we must implement the cost reduction culture from top to bottom, improve the construction of various cost management systems, strictly control various expenses, calculate inputs and outputs carefully; concentrate resources, build core competitiveness, improve technical capabilities in pricing, underwriting, and claims handling, and enhance the efficiency of sales and claims handling through digitalization. At the same time, we need to consolidate the foundation of consumer protection and compliance construction, and the heads of institutions should be responsible for their own territories.
Our Chief Financial Officer Pierre LAUR stated that we will prioritize business quality, focus on motor’s refined management, and continue to promote high-quality transformation in non-motor. We will work together to promote cost control, resolutely achieve profit targets, and explore sustainable business methods.
Richard ZHOU, the Executive Vice President and Chief Distribution and Sales Officer of the company, shared with all employees the company’s full-risk premium task and growth target for 2024, and stated that the company will ensure the achievement of business goals by implementing cost priority and value-oriented culture, and implementing sustainable development and other measures.
Scott YIN, Assistant General Manager and Chief Actuary & Pricing Officer, introduced the priorities of motor in 2024, focusing on reducing losses for loss-making branches, strictly implementing commission quota management, and reducing customer acquisition cost losses; promoting the development of profitable branches, coordinating the development pace of necessary business and emerging business, and serving as a stabilizer and booster for the entire company.
Fred DING, head of Health, proposed to accelerate the transformation of health insurance in 2024, which would be achieved through four dimensions: headquarters empowerment, branch deployment, distribution development, and added customer value, aiming to consolidate transformation results and improve professional capabilities.
Shaw ZENG, Chief Commercial Officer, summarized the performance of commercial insurance in 2023 as “both opportunities and challenges coexist”. He proposed that in 2024, profitable growth should be achieved, and clear requirements were put forward for the premium, management cost, underwriting and claims settlement of commercial insurance.
Yong YANG, Assistant General Manager and Chief Claims and Customer Service Officer, emphasized the significance of consumer protection work, which is not only the focus of regulatory attention, but also the key to implementing customer-centered approach. He required the continuous improvement of consumer protection work mechanism, strengthening the efforts of consumer protection work, and contributing to the achievement of the annual business objectives through measures such as reducing losses in claims, integrity compliance management, and risk prevention.
25 colleagues from headquarters and branches were awarded the 2023 AXA Star, and 10 outstanding teams were honored with CEO Awards. They jointly interpreted AXA’s core values of customer first, courage, integrity and One AXA.
A year’s plan starts with spring. AXA Tianping will continue to move forward with determination, and open a new chapter of sustained profitability and high-quality development!