Insurance Corporation Production Insurance Interactive Business Issues

History always spiral development, some phenomena seem back to square, in fact,it has been sublimated. At present, the Interactive business property insurance and life insurance is such an problem. Chinese-funded insurance group,in the interaction among its subsidiaries operate, is benefit of this approach and to promote the rapid development of insurance business. As the Chinese People's Insurance Group, China Life Insurance Corporation, China Ping An Insurance Group Company, China Pacific Insurance Group, Taikang Life Insurance Group, etc is very popular with the interaction management business. However, somebody think that group's Interactive business property insurance and life insurance is the "mixed business group, operating sub-industry",which against the"Insurance Law" separate operation and back to the old Mixed business. This issue should be clarified and can help the healthy development of China's insurance industry.Using theoretical arguments in this paper, first,distinguish the links and differences between the group and corporation,mixed operation and divided operation from concept.Group, refers to capital as the main connection link, parent-subsidiary relationship as the main organization forms, Group charter as the common norms, formed by the parent company, subsidiaries, joint stock companies, and other members of the enterprise or organization, is a certain scale of enterprise legal person consortium. Corporation, also known as the limited liability company, is a legal persons. formed by the shareholder, shareholder limit responsible for the company according to the their capital, the company responsible for all its debt with total assets.They all have in common is the corporate body, the difference is that with a single corporate legal entity and the consortium.Mixed operation is that a legal person operatet wo or more businesses which the law does not allowed. In the insurance business, the Insurance Law expressly provides that "the insurer shall not concurrently operate life insurance and property insurance. The same insurer operate life insurance and property insurance is Mixed. Separate management refers to the insurers operating a business according to law. Common ground,or link between the two are independent of the insurer,the difference between the two operating is according to the law or illegal operations.In this paper, "Group and Co.","Mixed and separate operation," two of the basic concepts of discourse, to clarify the "Group Mixed, management sub-industry" argument is wrong, The problem is in the confusing the difference between group and Company Limited, the difference interactive operation and separate operation.This article discusses the the operating mechanism of property and life insurance interactive between insurance group subsidiary. First of all, point out that property and life insurance interactive between insurance group subsidiary meet the requirements of the development of our history.Through list the model of PICC Life Insurance,which based on property insurance promote life insurance,and China Life Property Insurance,which based on life insurance promote property insurance, elaborate the property and life insurance interactive operating mechanism of insurance group subsidiary. This interactive agent learned the essence of business, but also higher than the proxy form.meanwhile, savings cost for the company, which will help the company develop quickly. Also established an insurance supermarket to meet diverse customer needs. Promote the rapid development of insurance business.In order to demonstrate the results of interaction between Insurance Group subsidiary, we take on the XX City Life Insurance Company survey, empirical analysis the development situation of the linkage of the company's property and life insurance, also found problems in an interactive operation. Such as the ration in subsidiary's main business and deputy business is improper, Staff appraisal system is not perfect, confusion the Linkage And Mixed, agency. Combination of these problems and practices of insurance companies, I propose some solutions to this problem:(1)to strengthen mechanisms of the linkage property and life insurance, especially the assessment and incentives, to stimulate the enthusiasm of the staff are very good role. Establishment of risk prevention mechanism is a long-term work, need continuous improvement in practice. (2) the establishment of organization and management structure. Clear responsibilities arrangements to improve efficiency. (3) the autonomy of the operator to fully mobilize the enthusiasm of the operators. (4) the strengthening of staff training, particularly interactive training of the Commissioner to put together the most important task. (5) do a good job agency's claims, we should attach importance to the speed and quality claims.In this paper, theoretical arguments and practical analysis shows that insurance companies interaction between the Group subsidiaries operate the new historical period of the new road, which has not been a simple mixed operation,is close coordination between different legal entities; interactive business is not simple agency business, is a higher level of cooperation. Annual increase in premium income this year in more than 100 billion yuan, further evidence of the interaction between property and life insurance is a legitimate scientific development,suited to China's insurance industry.