Zhou Weixin: SMEs innovation needs “people-oriented, vegetable rice”
2014 the 12th annual meeting of the China Internet economy held in Beijing on December 18. Internet banking halls, haikangrenshou under the environment of e-Commerce Director Zhou Weixin pointed out that the Internet, innovation, middle office and back office has many different points by different companies to see the dish goes well with rice, looking for what you can do. Following is a video:
My name is Zhou Weixin after 80 08 entered the insurance industry in early 2013 join haikang, I’m from haikangrenshou. Haikangrenshou is a joint venture insurance company, compared with peace in the market is a relatively small company, but today, we at least in the major financial media insurance stocks on the headline or the article, because we have the ownership changes.
This occasion there’s probably not many people in the insurance industry, a life insurance industry report later how SMEs in the Internet environment and do different things and ideas.
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Tell you what, “the essay” puzzle mode innovation and thinking, we start with the puzzle, I particularly appreciate the word because all kinds of forums, we have to say how well, when it comes to “confusion” I brief complaining about, don’t let some new ideas to bring Gou went inside. We mention the word “P2P”, in fact, insurance can also be P2P, mutual-aid forms began from the very beginning it is P2P, a small fishing village we went out fishing at risk, we make some money and who we may be losing a little money a husband not home. This P2P is now using Internet technology greatly reduces the connections between people and people, that we have moved back to the mutual-aid insurance P2P environment?
Our Facebook did a little experiment, the experiment is KROODLE, based entirely on Facebook’s product pricing, claims and other processes, corresponds to have Germany‘s friend insurance together with a concept. But a few days ago to meet with them, and they say was not successful. I said why not successful? They said that high cost of education. The phrase I hear silly, foreigner’s education costs are high? They understand much better than we are about the insurance.
Internet to make life very hard, we didn’t think the development of extremely fast, we find ourselves with a very good position, very welcome gesture to the Internet, hoping at least at the user give us a bit of new ground, but found that there was no such user, but to our operators. We also felt the “wind”, but it is the people who use the Internet to wind. For example, in winter in Beijing, you wear a pair of “forget to wear brand” autumn library, but warm, so there was no warmth. In this kind of user awareness is not particularly strong currents below, we did a small life insurance companies had come to this proposition?
Actually has many kinds of innovation, can touch up by the companies from the back-end network, the company’s structure as well as your business process to your product, as well as front-end and you give users services, channels, brands or even a small interactive, you can be creative. But for small companies, you in the far back end of innovation, and the cost is very high, so we are basically the reformists, not reformers. Only in the case of existing resources and processes of the company allows to start in the middle or below starting forward, namely from product and user experience, interaction with the service to do some different things.
Specifically, how do we do it? For example, the so-called thinking puzzles, first set a correct thinking, not necessarily correct Internet thinking, but at least from the view. Insurance company developed a product there are many evaluation indicators, such as we must to do finances of universal insurance surrender is that we have to consider, that is to say it’s original idea is based on product and policy at the core of, sold a picture of policy and the development of product-oriented thinking. Six months after selling the user surrender, the so-called surrender just now, I feel that now is a very normal demand, user declared interest rate is six or five, only surrender will experience that you are really true. If we sell 100,000 single out about 50,000 surrender after the expiration, we discovered that this business cannot do so, because surrender rate have 50%, we are facing a very high risk.
Must rectify this thinking in the Internet environment, it got to be “in the money”, it was transferred to users. Haikangrenshou online sales of all of life insurance products of when, we no followed traditional of products development of routine, we do basic paragraph, a sentence said not clearly of products I basic not do, now of products basically Word are can said clearly, put people most needs guarantees of things carrying out, a insurance needs corresponds to a products, such with products slowly of launched you can put it buy full. 2nd, interaction, we also wanted to do something, if security products are either lost or dead lost, particularly the oldest we’ve recently developed a term life insurance products, insurance liability is “dead loss” is a very cool product. We products of name called “love”, received down will do a small of micro letter, based on micro letter of spread points is launched to love new year message of activities, concern we points a key can left a voice, will production this links, put this links share to you wants to share of people, that personal received links maximum of user experience is open a links see was to you left has a words, but you cannot heard, you only in 2015 of on new year’s day to heard. This corresponds to our new selling life insurance model that will do additional customer service.
Innovation, middle office and back office has many different points, different company dish goes well with rice, looking for what you can do.