Author: 陆俊融

亲爱的安盛天平同事，

新春聚力，众志成城。3月12日，2024年一季度全员大会在龙年初春召开，我携同公司管理团队与大家共同回顾了2023年的成绩，并对充分践行了安盛核心价值观的优秀同事和团队进行了表彰，共评选出25位安盛之星和10支荣获总裁大奖的团队。

在充满挑战的2023年，在大家的共同努力下我们各业务线均取得正增长，并实现了公司独资以来最大的减亏幅度，公司偿付能力充足率239%，一系列成绩值得我们每个人骄傲！

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。公司将顺应高质量发展的趋势，坚守“利润导向”，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。

在今年的315期间，围绕“金融消保在身边，保障权益防风险”的主题，总分协同推动金融宣传教育走进千家万户，充分践行了从“赔付者”到“陪伴者”的企业愿景。而在广州举行的AXA安盛 X 利物浦足球俱乐部燃情之夜，利物浦传奇球星约翰巴恩斯与安盛关注的困境儿童同台互动，不仅点燃孩子心中的“绿茵梦想”，更鼓励他们在体育精神中汲取自信与勇气。

Dear AXA Tianping colleagues:

The first quarter of Townhall meeting of 2024 was successfully convened on March 12th, in the early spring of the Year of the Dragon. The company’s management team and I thoroughly reviewed our achievements in 2023 and we collectively recognized 25 exceptional employees and 10 outstanding teams for amplifying AXA’s core values in their daily work.

While the year of 2023 has been challenging, we still managed to summon all of your joint efforts across all our business lines to achieve positive growth: the largest reduction in losses since the company became a wholly owned subsidiary, with a solvency adequacy ratio reached 239%. Worthy of pride for each of us.

This year will be a critical turning point for us as we try to build our core competitiveness in face of the industry’s high-quality development trend: “Cost reduction culture”, with a focus on our resources on building blocks for profitable and sustainable business foundations, which will uniquely position us apart from our peers.

During this year’s 315 campaign, the joined efforts from both the headquarters and branches have proved nothing but our willingness to act as protection for our customers while safeguarding their rights to preventing potential risks in accordance with the campaign theme, which has fully showcased that AXA Tianping indeed is embodying our corporate vision of transitioning our role from being simply a “payer” to becoming our customers’ “partner”.

Moreover, during the AXA x Liverpool Football Club event in Guangzhou, Liverpool legend John Barnes engaged with vulnerable children under the guard of AXA Tinaping and our long-term charitable partner Aiyou charity foundation, a great opportunity to pass the passion of the football game in their hearts, which in the long run will inspire them to draw strength and courage from the sportsmanship so that they can move forward with confidence.

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安盛天平首席执行官 左伟豪

CEO of AXA Tianping Kevin Chor

315，安盛天平助力消费者维护合法权益

315 Campaign: Act as a protector for our customers

在今年315前后，围绕“金融消保在身边，保障权益防风险”这一年度主题，安盛天平以客户为中心，致力于提升服务品质，优化客户体验，普及宣传各类金融权益知识，增强消费者维权意识、引导消费者科学理性投资、提升消费者依法维权能力、树立行业良好形象。

多层级投诉处理机制

安盛天平建立起多层级、多渠道的投诉处理机制，确保投诉渠道畅通，投诉处理流程规范，切实履行投诉处理主体责任，保障客户的合法权益：

1）设立了24小时热线95550和微信公众号、安盛安美小程序、在线客服、邮箱service_customer@axatp.com等服务渠道，确保客户在任何时间都能联系到专业人员。平台采用先进的服务管理系统，实现客户反馈信息的快速收集、分析和处理，以最大程度地满足客户的需求。

2）在全国各地建立了服务大厅、营业网点等客户需求处理中心，专业人员负责处理各类客户需求，并确保客户的权益得到妥善保障。

多元化解机制

安盛天平坚持预防在前、调解优先、运用法治、就地解决，加强对金融纠纷多元化解工作的宣传普及，提升消费者对调解工作的认知度、参与度和认可度：

1）设立了专门的纠纷调解组织，由专业人员负责处理金融消费争议，通过调解达成双方满意的解决方案。

2）与行业协会、监管机构等建立了合作关系，共同推动金融消费纠纷的解决，保障客户的合法权益。

总分联动全员消保

在3月12日举行的全员大会上，首席理赔和客服官阳勇表示，“坚持以客户为中心，推动全司消保工作进入新阶段”——持续加强消费者权益保护工作力度，扎实推进消费者教育，把实现好、维护好、发展好金融消费者的合法权益作为出发点、落脚点，真正做到为人民权益护航，切实提升消费者金融服务获得感。

北京、上海、重庆、云南等多地分支机构也纷纷响应监管部门与总公司的号召，把“总分联动全员消保”的工作落到实处，将金融宣教带进学校、企业、养老院、商圈、农村等多个场合，提升消保工作水平，切实守好消费者合法权益。

消保不止315，安盛天平将继续努力，坚持以人民为中心的价值取向，以提升消费者金融素养和金融安全意识、增强依法维权意识和能力为目的，宣导金融政策、提示金融风险，倡导理性投资理念，推进行业诚信文化建设，增强人民群众金融服务的便利性、可得性和获得感，确保客户的合法权益得到最大程度的保障和尊重。

Around the annual theme of “Financial Consumer Protection is Nearby, Safeguarding Rights and Preventing Risks” this year during the 315 Consumer Rights Day campaign, AXA Tianping has focused on enhancing service quality, optimizing customer experience, and promoting various types of financial rights and knowledge. The company is committed to strengthening consumers’ awareness of rights protection, guiding them to make scientific and rational investments, improving their ability to safeguard their rights according to the law, and establishing a positive image for the industry. All of this is done with the “customer first “guidance put at the center of our company.

Multi-level Complaint Handling Mechanism

AXA Tianping has established a mechanism to ensure smooth, standardized complaint handling processes, and the effective fulfillment of the main responsibility for complaint handling, thus safeguarding the legitimate rights and interests of customers.

1）24-hour hotline (95550), WeChat official account, AXA Tianping Mini Program, online customer service, and email (service_customer@axatp.com) are the established  channels to ensure that customers can access professional conselling at any time, adopting an advanced service management system to quickly collect, analyze, and process customer feedback, in order to meet customer needs to the greatest extent possible.

2）Service halls and business outlets across the country are withing our customers reach, equipped with professionals for handling various customer requests and ensuring that their rights and interests are properly protected.

Diversified Dispute Resolution Mechanism

AXA Tianping adheres to the principles of prevention first, mediation priority, utilization of the rule of law, and local resolution. It strengthens the promotion and popularization of diversified dispute resolution work in finance, aiming to enhance consumers’ awareness, participation, and recognition of mediation work.

1）AXA Tianping has established a dedicated dispute mediation organization staffed by professionals who are responsible for handling financial consumer disputes. The organization aims to reach satisfactory solutions for both parties through mediation.

2）AXA Tianping has established cooperative relationships with industry associations, regulatory agencies, and other relevant parties to jointly promote the resolution of financial consumer disputes and protect the legitimate rights and interests of customers. Through these collaborations, we aim to enhance the efficiency and effectiveness of dispute resolution mechanisms, ensuring that customers receive fair and timely solutions to their financial consumer disputes.

Integrated and Collaborative Efforts

At the general meeting held on March 12th, Yang Yong, the Chief Claims and Customer Service Officer, stated, “We must adhere to a customer-centered approach and push our company’s consumer protection efforts into a new phase” – continuously strengthening efforts to protect consumer rights, solidly advancing consumer education, and taking the realization, maintenance, and development of the legitimate rights and interests of financial consumers as our starting point and end goal. We must truly safeguard the rights and interests of the people, and effectively enhance consumers’ sense of gain from financial services.

This is a positive move by the branches in Beijing, Shanghai, Chongqing, Yunnan, and other regions to actively respond to the call of regulatory authorities and the headquarters. By implementing the “joint effort of headquarters and branches in consumer protection” and bringing financial education and promotion to various occasions such as schools, enterprises, nursing homes, commercial districts, and rural areas, they are working to enhance the level of consumer protection and effectively safeguard the legitimate rights and interests of consumers. A key step towards improving consumer protection work and ensuring that consumers are well-informed and protected in their financial transactions.

Customer protection is more than just a campaign. It takes long-term commitment and dedication, as it underscores the importance of enhancing consumers’ financial literacy, awareness around financial risks, and their ability to safeguard their rights through legal means. By promoting financial policies, alerting the public to financial risks, advocating rational investment philosophies, and fostering a culture of industry integrity, AXA Tianping is actively contributing to making financial services more accessible, convenient, and satisfying for the general populace. This commitment ensures that customers’ legitimate rights and interests are maximally protected and respected. Their ongoing efforts are crucial in building a more inclusive and responsible financial system.

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!

AXA安盛X利物浦足球俱乐部燃情之夜

AXA x Livepool Football Club Night

3月16-17日，作为利物浦足球俱乐部的全球训练合作伙伴，安盛携同利物浦在广州举办的足球盛典为球迷带来了无与伦比的精彩体验。

“体验安菲尔德”

打卡安菲尔德球场的“安菲尔德”标志球员通道

足球燃情之夜

随着安盛天平首席市场营销及公共事务官黄长青女士对安盛与利物浦合作的精彩介绍，利物浦足球俱乐部传奇巨星——约翰·巴恩斯被引荐登场，掀起了燃情之夜的第一个高潮。

礼尚往来，续写情谊

安盛与利物浦的合作始于2018年，双方共同致力于推动身心健康，激励利物浦球队支持者及安盛集团客户迈步向前，成为更好的自己。这份志同道合的情谊，以互换礼物的形式延续至今，安盛天平广东分公司总经理董明明、安盛天平深圳分公司总经理刘刚、安盛天平保险销售有限公司总经理温家亮，为巴恩斯送上寓意吉祥的精美礼物，表达诚挚的祝福；约翰·巴恩斯则回赠了由三名利物浦传奇球星签名的AXA训练服。

守护热爱，自信前行

来自安盛天平公益伙伴——爱佑慈善基金会与广州法泽社区公益基金会共同关注的困境儿童也受邀出席，约翰·巴恩斯在现场与孩子同台互动，分享人生经验的同时，用心回答孩子提出的每一个问题，鼓舞他们自强不息、勇往直前，他点燃的不仅是孩子们的“绿茵梦想”，更有对自我潜能的挖掘，鼓励他们在体育精神中汲取自信与勇气。

陪同孩子来到活动现场的广州法泽社区公益基金会侯女士表示，“衷心感谢安盛为孩子们带来这次难忘的经历和体验。通过这次与球星登台互动交流等方式，不仅提升孩子们的自信心和语言表达力，也为他们更好地成长奠定了基础。‘长风破浪会有时，直挂云帆济沧海’，这些点点滴滴的美好，都将成为伴随他们成长的财富，相信未来他们将用热情、自信和坚韧，书写属于自己的人生篇章。”

共同庆生，喜乐同享

在这特别的夜晚，我们还准备了共同庆生的环节，为现场的孩子、球迷们度过了一个难忘的集体生日——由巴恩斯带领全场齐唱生日歌，想必所有许下的生日愿望都能够实现。

而后象征利物浦精神的《你将永不独行》再度在耳畔响起，在巴恩斯的带领下，全场观众在大合唱中感受到这种鼓舞的力量。

燃情之夜，激情无限

活动期间，还穿着安盛员工带来的精彩表演，唱跳之间活力四射，无论是青春无敌的《足球宝贝》，还是深情款款的《爱的就是你》，以及节奏劲爆卡点精准的机械舞，都引发了台下观众的激情互动。

活动期间，安盛还特别准备了抽奖与互动福利，让每位出席活动的嘉宾不仅沉浸在足球的快乐之中，更能够在兴趣盎然之际满载而归。

广州站的足球盛典帷幕暂落，在未来，安盛还将继续与利物浦足球俱乐部紧密合作，推出更多有意义的活动，为更多有需要的社会群体提供关怀和帮助，为社会的发展持续贡献力量。

From March 16th to 17th, as the global training partner of Liverpool Football Club, AXA brought an unparalleled and unforgettable experience to football fans through the football club night held by Liverpool in Guangzhou.

“Feel and Experience Anfield”

Check in at the “Anfield’s Signature Player Tunnel at Anfield Stadium

Passionate Football Night

Liverpool Football Club’s legendary superstar John Barnes was introduced on stage, followed by a wonderful introduction of the cooperation between AXA and Liverpool by Ms. Huang Changqing, Chief Marketing and Communications officer of AXA Tianping.

A Long-Established Cooperation

The cooperation between AXA and Liverpool began in 2018, with both parties committed to promoting physical and mind health, motivating and encouraging Liverpool fans and AXA customers to move forward and become better versions of themselves. Dong Mingming, General Manager of AXA Tianping Guangdong Branch, Liu Gang, General Manager of AXA Tianping Shenzhen Branch, and Wen Jialiang, General Manager of AXA Tianping Insurance Sales Co., Ltd., presented Barnes with beautiful gifts symbolizing good luck and expressed sincere wishes. In return, John Barnes gave them an AXA training jersey signed by three Liverpool legendary stars.

Confidence is what makes you progress

Children from vulnerable communities are what AXA and its long-terms charity partner, Aiyou Charity Foundation have been focusing on for the past years. At this occasion, Aiyou Charity Foundation and the Guangzhou Faze Community Public Welfare Foundation were also invited to attend this event. John Barnes interacted with the children on stage, sharing life experiences while carefully answering every question they asked, encouraging them to persevere and move forward, and igniting the children’s dream of football.

Ms. Hou, who accompanied the children to the event from the Guangzhou Faze Community Public Welfare Foundation, said, “I sincerely thank AXA for bringing this unforgettable experience and opportunity to the children. Through interacting with the football star on stage, the children have not only improved their self-confidence and language skills, but also laid a solid foundation for their better growth. As the saying goes, ‘The long wind will break the waves, and the cloud-lined sails will cross the vast sea.’ These bits of happiness will become treasures accompanying their growth. I believe that in the future, they will write their own chapters of life with enthusiasm, confidence, and perseverance.”

An Unforgettable Birthday Party

A birthday party was prepared, where Barnes led the audience in singing the birthday song, marking an unforgettable collective birthday for the children and fans on the scene.

Afterwards, the anthem of Liverpool spirit, “You’ll Never Walk Alone”, came on stage, filling inspiration and courage in the hearts of the audience.

A night with Passion

Brilliant performances were brought on the stage, igniting the stage with passion, contributing to an unforgettable experience for the audience.

Lucky draw was arranged, with every guest’s participation and engagement, immersing themselves in the joy of football. A night with great gains.

2023年度晋升机构荣誉展示

A Glimpse on the Promoted Branches for the Year of 2023

根据《安盛天平财产保险有限公司二级机构分类管理办法（2023修订版）》，2023年度有四家机构荣获年度晋升荣誉，分别是苏州、山西、佛山和陕西机构，让我们一起一睹他们的风采。

The branches of Suzhou, Shanxi, Foshan, and Shaanxi have been honored on the annual promotion list in 2023, based on the “Management Measures for the Classification of Second-Tier Organizations of AXA Tianping Property Insurance Co., Ltd. (2023 Revision)”, Worth the time for a virtual tour!

苏州机构：

非常荣幸能够获得这份荣誉，这不仅是对过去的肯定，更是对未来的期许。在2023年的经营过程中，我们得到了总部的支持和帮助，同时也离不开机构同事的辛勤付出和努力奉献，共同克服了许多困难和挑战。2024年我们将继续秉承公司的经营理念，聚焦利润，为实现业务的可持续发展而努力奋斗。

2024年，不忘初心，乘六龙，奋楫浪，上云霄！

Suzhou:

“It is a great honor to be selected, recognizing our efforts while at the same time laying expectations for us. Thanks to the strong support and assistance from the headquarters that we received in 2023, as well as hard work and dedication of our colleagues across the branch, we managed to overcome the difficulties and challenges in this trying time.

In 2024, we will focus on profits, and strive for sustainable business development.

We will spare no efforts and strive for succuss!

山西机构：

“欲渡黄河冰塞川，将登太行雪满山。长风破浪会有时，直挂云帆济沧海”。借用李白《行路难》中的诗句，描述山西分公司2023年上下半年的经营，我们觉得十分贴切。

2023年，山西全员信心满满，谋划书写分公司经营新的篇章。上半年，全员凝心聚力，展现出全新气象。但面对市场惨烈的竞争，成本逐渐高企，年中被迫限速调整，随之业务持续低落，士气不断低迷。困境中，在总部指导下，我们做实基础动作，重筛业务渠道，优化险种结构，各条线主动深化降本增效措施，寻求突破。转机出现时，我们迅速行动，快速调整，扭转了被动的局面，取得了一定的成效。

“开局即决战”，是我们对2024的新年寄语，也是山西分公司2024年的行动注脚。我们将锚定经营目标，在总公司的带领下，乘风破浪，全力以赴，确保车险的经营稳健和非车险的业务突破，实现分公司有效益的发展！

Shanxi：

“Trying to cross the frozen Yellow River, one finds the ice jamming the riverbed. Attempting to climb Mount Taihang, one meets snow covering the mountain peaks. But the strong wind will break the waves, and there will be a time for that, directly raising the cloud-like sails, we will navigate the vast sea.” Using lines from Li Bai, this description aptly reflects the business operations of Shanxi Branch in the first and second halves of 2023.

In 2023, the entire team in Shanxi was fully confidant and is ready to embark on a new journey. During the first half of the year, everyone worked together with unity, demonstrating a brand-new spirit. However, faced with fierce market competition and gradually increasing costs, the business continued to decline, leading to a crisis in morale. In this difficult situation, under the guidance of the headquarters, we strengthened our basic operations, re-screened business channels, optimized insurance product structures, and each department proactively deepened cost reduction and efficiency enhancement measures to seek breakthroughs. When the turning point appeared, we quickly acted and adjusted, reversing the passive situation and achieving certain results.

Going forward, we will firmly anchor our business objectives and, under the guidance of the headquarters, ride the wind and waves, go all out, to ensure the steady operation of motor insurance and the breakthrough of non-motor insurance business, achieving profitable growth for the branch!

佛山机构：

2023年转瞬已成为历史，非常荣幸在二级机构分类管理考核中，佛山分公司上升一级至4类机构，这是总部领导对佛山过去一年里工作的一种肯定。“心存感激、励精图治”是我们此刻最想说的话。

感谢总部各位领导孜孜不倦的教诲，让我们看清机构发展的方向。感谢总部各部门同事以及各兄弟机构对佛山一直以来的支持和帮助，正是有了你们无私的关怀，佛山分公司的工作才得以顺利开展。各项业务指标及管理指标的不断攀升，是佛山全体员工努力的目标，也是佛山全体员工的动力！

佛山虽然在2023年上升至四类机构，但不会沉醉于今天的荣誉与掌声中，尤其与很多优秀机构还有很大的差距，今天的成绩只能说明昨天我们努力了，明天，佛山分公司将更加努力。在此，佛山分公司郑重承诺，我们将把过去的成绩作为新的工作起点，以更高的标准严格要求自己，在工作中不断提高和完善自我，佛山分公司全体员工将会团结一致，并肩作战，完成总公司下达的任务，2024往更高的机构分类级别冲刺！

2024，我们充满信心！

Foshan:

The year 2023 has passed in the blink of an eye, and we are extremely honored that the Foshan Branch has been promoted to Level 4 among the secondary institutional classifications in the management assessment. This is a testament to the recognition of our efforts and accomplishments in the past year “We are grateful and determined to improve” is what we want to say at this moment.

The tireless guidance from the headquarters are highly appreciated, helping us sort out the best course of action for us to progress. The relentless ascent of diverse business and management metrics serves not merely as the ultimate objective but also as the propellant that ignites the passion and dedication of every employee in Foshan.

Hence, we will not stop from there. We recognize that there is still a long way to go for us to live up to the standards of the star branches. Hereby, we promise to take the past achievements as a new starting point for our work, set higher standards for ourselves. We are more than confidant to constantly improve and perfect ourselves to unite, synergy and aim higher!

陕西机构：

在这个闪耀着众多卓越之光的舞台上，陕西机构有幸获得此次表彰荣誉，离不开总公司的指导，离不开陕西机构各部门之间通力合作，更离不开全辖每一位将士的拼搏和努力。

回顾过去一年，面对错综复杂的形式和艰巨的任务，陕西团队全员目标坚定，上下一心，实现财务年COR较上年度降低了4.5个百分点，从Ⅴ类机构晋级为Ⅳ类。然而，我们也清楚的认识到，在取得成绩的同时，我们仍然面临着诸多困难与挑战。

任重道远，为者常成，行者常至。在接下来的时间里，我们仍将持续优化内部管理，提升运营效率，降本增效，加强团队建设，要始终保持谦逊、务实的态度，笃定前行，策马扬鞭，赓续佳绩。

Shaanxi：

We are very honored to be shining through our excellent sister branches, which will not be possible without headquarters’ guidance as well as our colleagues efforts and dedication.

Looking back on the past year, faced with intricate situations and challenging tasks, the Shaanxi team members maintained a firm goal and united efforts to achieve a financial year-on-year decrease in COR by 4.5 percentage points, upgrading from Category V to Category IV. However, we are also aware that while we have made achievements, we still face many difficulties and challenges.

With great responsibilities come great challenges, and those who persevere, and act will achieve success. Going forward, we will continue to optimize internal management, improve operational efficiency, reduce costs, strengthen team building, and maintain a humble and pragmatic attitude. We will persevere and press ahead, spurred by our horses and determined to create further success.

安盛天平召开2024年第一次案防委员会会议

AXA Tinaping First Case Prevention Committee Took Place

为强化公司涉刑案件风险防控水平，提升对案防工作的重视，安盛天平召开了2024年第一次案防委员会会议。公司总经理左伟豪领衔案防委员会委员，以及各分支机构一把手出席了本次会议。

左总在会议上就2024年案防工作进行了部署和指示，他强调2024年案防工作尤为关键，表示今年应按照新的案防监管规定开展更全面的案防工作，对开展案防自评估、案防体系建设和制度建设、工作流程风险排查和整改、个人信息保护风险管控、总分公司案防工作规划等重点提出具体的工作要求。

合规负责人罗昉宜表示，案防工作是监管非常重视的工作，国家金融监督管理总局财险司发布的最新动态，强调案防工作是我们的底线，也是我们的生命线。

本次会议特别邀请了安杰世泽律师事务所管理合伙人詹昊律师，开展关于案防新规解读和保险行业重点领域风险研判的专题培训。现场，各案防委员会委员与詹律师就涉刑案件风险防控工作等相关问题展开了热烈的讨论。

本次会议审议通过了2024年案防工作计划，并进一步提升了公司涉刑案件风险防控意识，明确公司今年案防工作要求。后续将通过总分协同，积极贯彻落实各项案防工作，不断提升公司涉刑案件风险防控水平，助力公司合规经营。

In order to strengthen the risk prevention and control level of the company’s criminal cases and improve the awareness to case prevention , Led by Kevin CHOR, our CEO, AXA Tianping held the first case prevention committee meeting in 2024.

At the meeting, Kevin deployed and instructed the case prevention workflow, emphasizing its importance and indicating more comprehensive case prevention work should be carried out in accordance with the new case prevention regulatory provisions. He put forward specific work requirements for key areas such as self-assessment of case prevention, construction of case prevention systems and institutional frameworks, risk investigation and rectification of work processes, risk management and control of personal information protection, and planning of case prevention work at the headquarters and branches.

Luo Fangyi, head of compliance, stated that case prevention work is a top priority for regulatory authorities. The latest news released by the Property Insurance Department of the National Financial Regulatory Administration emphasizes that case prevention work is both our bottom line and our lifeline.

Zhan Hao, the managing partner of Anjie Shize Law Firm was specifically invited to conduct a special training on the interpretation of new regulations on case prevention and the risk assessment of key areas in the insurance industry. On the spot, members of the Case Prevention Committee had a lively discussion with him on issues related to risk prevention and control of criminal cases.

The 2024 case prevention work plan has been reviewed and approved, raising the company’s overall awareness of risk prevention and control in criminal cases, clarifying the requirements for case prevention. In the future, through the coordination of the headquarters and branches, we will actively implement various case prevention measures, continuously improve the level of risk prevention and control in criminal cases and support the company’s compliant operation.

安盛之星

AXA Stars

在2023年度安盛之星的评选中，共有25位总部和机构同事脱颖而出，他们分别荣获客户之星、团结之星、勇敢之星、正直之星和转型之星。月刊将为这些同事专门开设“安盛之星”专栏，帮助大家进一步了解安盛人践行安盛价值观的故事。

本月我们将为大家分享团结之星——零售险产品部产品核保岗唐心怡，勇敢之星——南京中心支公司营销部经理王伟，正直之星——上海作业中心特别调查室欺诈分析岗马亮的故事。

25 employees from headquarters and branches have stood out at the end of the AXA Star Nomination, being awarded for embedding AXA values throughout their daily work. A special column has been created for us to know them better.

In this month’s issue, we are glad to share the stories of Xinyi TANG from retail, Wei WANG form Nanjing sub-branch and Liang MA from Shanghai Operation Center to walk you through how they have been translating the value of Courage, Integrity and One AXA.

团结之星——唐心怡

唐心怡于2021年加入安盛天平，作为总部零售险一员，主要负责历史产品升级迭代、新产品设计开发，以及机构零售业务的日常核保咨询与业务报价。

在推动“夕阳红老年意外险”产品升级迭代的过程中，她对现有竞品进行深入剖析，结合市场需求去芜存菁。同时联合健康险事业部、理赔、运营、市场营销等部门跨职能协作，在保证保单综合成本率的前提下，首次引入增值服务概念，对存在交叉业务场景的产品进行叠加售卖。2023年，“守护时光”实现签单保费400余万元，赔付表现良好。

在日常工作中，她乐于与机构同事分享产品知识、业务策略、展业方向、业务风险偏好等信息。在处理机构零售业务报价时，她会有意识加强各机构授权核保人的定价能力，提升机构报价询价成功率、续保率，引导机构核保人从客户需求角度出发考量业务风险，在帮助机构业绩持续提升的同时，尽可能降低零售承保风险。2023年，零售分销实现签单保费2.26亿元，同比2022年增长34.78%。

Q1：获得安盛之星是什么样的感受？

很开心，但内心更多的是感恩。感恩公司提供了这么好的平台，让我可以实现个人价值；感恩领导及同事对我的支持及认可。荣誉属于过去，继续努力才是未来，这也将成为鞭策我的动力，我会把这份认可转化到工作中。

Q2：平时生活中有哪些保持自信、健康、快乐的习惯或者爱好？

保持良好工作状态的秘诀是，无论多忙都要抽出时间去锻炼身体。我也会积极参与工会组织的一周一节的瑜伽课来调节身心，缓解压力。运动会释放多巴胺，当你动起来时，许多烦恼都会烟消云散，负面的情绪也会慢慢被消化掉。长此以往，身心状态会越来越好。

Q3：请分享最近在看的一本书、一部电影或一部剧。

“世界上没有比活着更美好的事情，也没有比活着更艰难的事情。”最近在看《活着》。余华以福贵的故事为线索，讲述了一个家庭在苦难中的坚韧与爱。读完《活着》，我更加珍惜现在所拥有的一切，无论是家人、朋友还是身边的每一个小确幸。这本书不仅仅是对生命的颂歌，更是对人性的深刻揭示，它告诉我们，在逆境中保持坚韧和乐观，是我们每个人都应该具备的品质。

One AXA – Xinyi

Tang Xinyi joined AXA Tianping retail team at the headquarters in 2021, with main responsibilities on upgrading existing products, designing and developing new products, as well as providing daily underwriting consultation and business quotation for retail business.

When promoting the upgraded “Xiyanghong Elderly Accident Insurance” product, she conducted a thorough analysis of existing competitors and combined market demand to eliminate the unnecessary and retain the essential. At the same time, she collaborated with cross-functional departments such as the Health, Claims, Operations, Marketing to name a few. While ensuring the comprehensive cost rate of the insurance policy, she introduced the concept of value-added services for the first time and overlaid and sold products that existed in cross-business scenarios. In 2023, “Guarding Time” achieved a signed premium of more than 4 million yuan with good claims performance.

In her daily work, she is happy to share her know-how related to her daily work  with her colleagues. When processing institutional retail business quotations, she consciously strengthens the pricing ability of authorized underwriters from various branches, improves the success rate of branch quotation inquiries and renewal rates, and guides branch underwriters to consider business risks from the perspective of customer needs. While helping the organization’s performance continue to improve, she strives to reduce retail underwriting risks as much as possible. In 2023, retail distribution achieved a signed premium of 226 million yuan, representing a year-on-year growth of 34.78% compared to 2022.

Q1: How does it feel knowing that you’ve been awarded as AXA Star?

I felt happy, but mostly grateful, as I’m given such a great platform to perform and excel, realizing my potential, making my values seen. I am thankful for the recognition from my line manager, as well as from my colleagues, which will act as nothing but a stronger motivation that will drive me to work extra harder moving forward.

Q2: What are your habits to keep confident, healthy and positive?

I choose to take out time and work out – the once a week yoga session organized by the company’s Labor Union for instance to keep a good mind health and shake off the pressure. Through working out, your body releases dopamine more than usual, chasing away the negativities which will transform you for a better person in the long run.

Q3: Please share with us a book, a movie or a theatre piece.

“There’s nothing good as living, and there’s nothing bad as living”. I’ve been such a big fan of the signature book named “To Live”by Hua YU, a book on how Fugui, the main character seeks to survives with resistance and love in face of life challenges and difficulties. I feel more than grateful for the life that I’m having after reading this book. It is such a blessing to have my family, my friends and my loved ones around me, who keep me resistant and positive. Some precious qualities that everybody should embed.

勇敢之星——王伟

王伟于2018年5月加入安盛天平，目前担任南京中支营销部经理一职。入职以来先后担任理赔客服和业务条线管理岗，跟随并见证着公司一步一步的转型发展。

2023年王伟带领的南京大分销团队实现总保费收入5317万，分销保费机构总体占比47.4%，车险实现规模和利润双优，非车转型继续稳步前进，车险和非车险客户经理人均产能均全省第一。

Q1：获得安盛之星是什么样的感受？

能荣获2023年度的“勇敢之星”，我感觉特别的荣幸与自豪，由衷地感谢公司领导、同事的认可与支持。这个奖励将更加鞭策着我，在未来之路始终保持一颗勇敢之心，勇往直前、敢为人先。

Q2：平时生活中有哪些保持自信、健康、快乐的习惯或者爱好？

平常生活中我多数是通过一些户外的活动，来使自己保持乐观的心态。周末带着孩子一起爬爬山，公园里、游乐场里与小朋友们一起释放多巴胺……

Q3：请分享最近在看的一本书、一部电影或一部剧。

我推荐微软前中国区CEO吴士宏老师的著作《越过山丘》。这本书陈诉了吴士宏如何摆脱自己的困惑，以及她如何帮助企业管理者越过山丘。读这本书，可以感受作者是如何的敢爱、敢恨、敢一飞冲天、敢粉身碎骨。这是一本饱含人生体悟与职场智慧的启示录，谁的人生不需要翻过一座又一座山丘呢？当我们越过山丘，可以眺望另一方开阔景象，有不期而遇的惊喜，有无穷变幻的四季风景。

Courage: Wei WANG

Wang Wei joined AXA Tianping in May 2018, and currently holds the position of Sales Manager at the Nanjing Branch. Since his entry into the company, he has successively worked in claims, business management, evolving with the company as it embarked on a transformation journey.

In 2023, Wang Wei’s team has achieved total premium income of 53.17 million RMB, with a total distribution premium income accounting for 47.4% of the company’s total. Both the scale and profit of auto insurance achieved double excellence, and the non-motor insurance transformation continued to make steady progress. The average production capacity of motor insurance and non-motor insurance customer managers in Nanjing was ranked first in the province.

Q1：How does it feel knowing that you’ve been awarded as AXA Star?

I am deeply proud, honored, and grateful for the recognition bestowed upon me by both my leaders and my colleagues. This award serves as a powerful catalyst, inspiring me to approach future endeavors with even greater courage and determination.

Q2：What are your habits to keep confident, healthy and positive?

I’m quite outdoorsy. I choose to go climbing with my children or have some leisure time in the park during the weekends.

Q3：Please share with us a book, a movie or a theatre piece.

I recommend “Beyond the Hills” by Wu Shihong, former CEO of Microsoft China, which vividly portrays his personal journey of overcoming painful confusion and assisting business managers while conquering challenges. Readers will sense her sense of courageous spirit that navigated through love, adversity and sacrifice.

It offers a treasure trove of life experience and workplace insights, akin to an apocalyptic saga, as in life, we all encounter numerous hills to climb on. Worth the reading.

正直之星——马亮

马亮于2011年加入安盛天平，主要负责车险反欺诈工作。连续三年在调查审核减损方面表现优异——2021年减损2465万，调查成功率28.5%；2022年减损3049万，调查成功率30.9%；2023年减损3297万，调查成功率32.5%。其中2023年调查审核减损科室排名第一，调查成功率连续三年科室排名第一。

2023年，马亮通过在线审核及时甄别机构查勘员疑似伪造伤残鉴定报告的行为，并后续通过协商推翻伤残鉴定，实现反欺诈减损。经过对比大量案件的伤残鉴定报告，他确认9宗案件伤残鉴定报告为伪造，涉及减损金额68万元。2023年9月，他协助制定了作业中心岗位融合学习计划，帮助控制台作业人员具备理赔全流程处理能力，调查岗及案件负责人交叉学习对应岗位理赔处理流程；截至2024年1月，两作业中心已有17人参与岗位融合，组织开展4次相关培训。

Q1：获得安盛之星是什么样的感受？

很高兴能获评正直之星，感谢公司给予我参评的机会，更要感谢领导、同事的支持。由于参评名额有限，很多优秀的同事都没能获得参选资格，我仅是理赔大家庭的普通一员，我想说他们每个人都是我心目中的安盛之星。

Q2：平时生活中有哪些保持自信、健康、快乐的习惯或者爱好？

闲暇之余我喜欢追剧、看电影，看一些篮球和电子竞技的比赛。

Q3：请分享最近在看的一本书、一部电影或一部剧。

分享一部“年度黑马”爆笑职场喜剧《年会不能停》。电影讲述了一个普通员工，因为一次错误调动所引发的一些列职场冲突跟笑点。在看似云淡风轻的笑点之下，影片想要探讨展现的是那些过于残酷的社会现状，以及调侃那些所谓的“职场文化”。片中暗讽了一些企业为了发展，将基层普通员工作为垫脚石。人人都知电影的故事情节纯属虚构，但有一种莫名的真实感，电影坐在普通打工人这一边，成为了打工人的“嘴替”。

Liang MA joined AXA Tianping in 2021, with primary responsibility on anti-fraud initiatives in motor. Over the past three years, he has consistently showcased exceptional performance in investigation and audit loss reduction. In 2021, he achieved a loss reduction of 24.65 million with a success rate of 28.5%. In 2022, the loss reduction was 30.49 million with a success rate of 30.9%. In 2023, he achieved a loss reduction of 32.97 million with a success rate of 32.5%. Notably, in 2023, his investigation and audit loss reduction department ranked first, and the success rate of the department has been ranked first for three consecutive years.

In 2023, Ma Liang promptly identified suspected fraudulent injury assessment reports by agency inspectors through online audits, and subsequently overturned the injury assessments through negotiation, achieving anti-fraud loss reduction. After comparing a large number of injury assessment reports across cases, he confirmed that nine cases involved fraudulent injury assessment reports, resulting in a loss reduction of 680,000 yuan. In September 2023, he assisted in developing an integrated job training plan for the operation center, helping console operators to possess the full process of claims handling capabilities. Investigators and case managers cross-learned the corresponding job claims handling processes. As of January 2024, 17 people from the two operation centers had participated in job integration, and four related trainings were organized.

Q1：How does it feel knowing that you’ve been awarded as AXA Star?

I incredibly grateful for the opportunity and the platform provided to me. Furthermore, I extend my heartfelt gratitude to my leaders and my colleagues for their unwavering support. I recognize that many outstanding colleagues may not have the opportunity to be selected, and I am humbled by this acknowledgement. Within the Claims family, I consider myself just as one member among many deserving individuals. In my opinion, every team member has the potential to be awarded as AXA Star.

Q2：What are your habits to keep confident, healthy and positive?

I’m interested in sitcoms, movies, football match and video gaming.

Q3：Please share with us a book, a movie or a theatre piece.

I strongly recommend ” The Annual Show Must Go On”, definitely a dark horse comedy this year around an ordinary employee who is thrown into a series of workplace conflicts and humorous situations caused by a mistaken transfer. Beneath the seemingly light-hearted humor, the film explores the crucial reality as well as satirizes the supposed “workplace culture” and subtly criticizes certain companies that use ordinary grassroots employees as stepping stones for their own development. Everyone knows that the storyline of the film is purely fictional, but there is an inexplicable sense of realism. The film sides with the ordinary workers and becomes their “mouthpiece.”