AXA is the largest company in the worldInsurance Group。At first, it was the machinery of many mutual insurance companiesJoint ventureBut now it is the largest insurance company in the world (the same as Germany Allianz andNetherlandsINGThe same), is also aasset managementtycoon.AXA has a subsidiary in the United States AXAfinance company(AXA Financial), the subsidiary holdsAsset management company(Alliance Capital Management);At the same time, there are many subsidiaries in other places overseas.
AXA UK, an AXA UK insurance company in the UK, is the predecessor of Sun Life and Provincial Holdings;stayAustraliaLike AXAAsia-PacificAXA Asia Pacific, an insurance company, is a nationalMutual insurance companyThe predecessor of National Mutual;stayBelgiumAXA Belgium, AXA Belgium, is the predecessor of Royal Belgium.
Group on1817[13]stayFrancefound.It is the world's largest insurance group and the world's third largest international asset management group, with business network covering the worldthe five continentsIn more than 50 countries and regions, there are about 110000 employees and insurance agents worldwide.AXA's main business is insurance and asset management.AXA Group in Paris andNew York stock exchange Listed, several companies of the Group are also listed in their places of business, includingAustralia、New Zealand, Hong Kong, New YorkFrankfurt、London、BrusselsandDublin。In 1997, AXA Group was approved by the Chinese government to establish a Sino foreign joint venture life insurance company in Shanghai.
The company ranked 73 among Fortune Global 500 companies in 2009.It ranked 9th among Fortune Global 500 companies in 2010.Ranked 14th among Fortune Global 500 companies in 2011.
The Law of Success
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AXA
In 1985, when AXA just appearedeuroIn unit, AXA's annual revenue is only 200 million yuan;By 1990, the number had grown to 7 billion.AXA's revenue reached 72.2 billion euros, becoming the third largest in the worldInsurance Group。The company's market value has also grown from 4 billion euros in the same year to 42 billion euros, with an annual growth rate of 17%.In addition to growth, Ansheng is becoming a global player step by stepfinancial service Leaders move forward.AXA'sbusiness income73% came from France, and only 27% came from other regions. Now the proportion is reversed, and up to 77% of the income comes from outside France.In addition, 60% of AXA's employees were French at the beginning, and now the proportion of French employees is less than 27%.
Do what you are familiar with
AXA
AXA's ability to enter the global market at such a fast speed is related to being in a growing industry.Life insurance, property insuranceaccident insurance、asset management- We collectively call these“Financial guarantee”(Financialprotect) industry is in a bullish trend globally, and the premium growth rate is always higher than the globalgross domestic productGrowth rate of.But more importantly, it depends on the successful strategy.AXA's strategy is: "Always knowWhat do you want to do?”What the company does is to help customers make the best financial security plan.
The services provided by the company will be adjusted according to the age and income of customers.Usually, when a person is young, what he needs most is basicLife insuranceAnd property security. With the increase of age and income, we need to use insurance to save and accumulate assets.When the customer's income andsocial positionWhen we reach the peak, we often needRetirement planningAnd real estate management.AXA's job is to provide the most appropriate financial advice and planning for customers of different ages and incomes.If you do too many things at a time, you will often lose focus and end up doing nothing well. Therefore, AXA's purpose is never to do things that are unfamiliar to you, nor to change your ownbusiness model。Only focus oncore business To avoidEnterprise scaleRisks brought by rapid expansion.
If you want to succeed in the global competition, only clearStrategic positioningNot enough. We must also strive for perfection in the organization and operation process.AXA attaches great importance to the balance between long-term interests and short-term interests, and relies onProduct innovation、Business technology(underwriting, pricing, claims managementROI）, sales channelsService quality, productivity, etccustomer serviceCommitment.And inorganization structureOn, the Board of Directors →Top management→ The clear structure of individual management departments is also the main force to ensure that AXA's strategy is put into practice.
Human nature management wins people's hearts
Assistant Chairman Chen Wenhui Meets with President of AXA Asia Pacific
While focusing on the core, a certain degree of diversification must also be carried out.AXA has three major business groups: life insurance and savings insurance, asset management, property insurance and accident insurance, which almost cover all the contents of customer financial security.AXA believes that the so-calledglobalizationMeans to achieve growth through diversification, which includes regional diversification, product line diversification, employee diversification, and sales channel diversification.Financial planningThere is a famous saying: "Don't put all your eggs in the same basket." It is the same for enterprises.AXA has three major businesses and branches in 12 countries, focusing onCore competenceAt the same time, it also avoids the possible risks of a single enterprise or a single region.At the same time, we are also very cautious in the choice of operating regions, such asNorth AmericaThere are very strongcompetitor。
The last key to AXA's pursuit of excellence is humanistic management.For the company, employees are not just technical experts, they are the core of all strategies and organizations.AXA respects the background, culture andPersonal characteristicsAnd strive to achieve a balance between centralized control and regional creativity.The company's principle is that everything can be decentralized, but all departments and branches must share the sameCore valuesKey performance indicators（KPI）, HighestManagement principles, andCore assetsConfiguration of.Establish a clearmanagement model And framework are very important, which will clearly tell employees what canFree playWhat is the root that cannot be shaken.
In the face of employeesCultural diversityAXA's principle is the same: follow the same key performance indicators, use the same technology, and others, employees can play freely.AXA's culture advocates respect for everyone and encourages employees from different backgrounds to communicate and listen to each other, which is also very helpful to the realization of diversity.AXA also has certain requirements for the quality of employees. In addition to education, the company pays more attention to the inherent characteristics of employees, such as courage, interpersonal skills, listening ability, etc.In selecting employees, we mainly look at four characteristics: charm, courage, judgment, and moderate intelligence;In addition, AXA employees' IQ is mostly between 90 and 120, because people who are too smart are usually difficult to integrate into the team work.
In the final analysis, management is to balance the interests of shareholders, customers and employees.AXA successfully transformed itself into a leader in global financial services by focusing on its strategic positioning, clear organizational structure, clearly defined business priorities, and pursuing perfection in its operational processes.
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Axa Pulsar AXA Life Insurance Junyuinvestment plan Although the basic structure is in the form of insurance policy, there is no risk cost and no life insuranceSupport functionHowever, as many as 86 funds are provided as investment options. Plan holders can choose their own fund portfolio from this basket of funds. It is more suitable for life insurance planspensionSavings plan。The following is a brief description of AXA Pulsar AXA Life Insurance Junyu Investment Plan:
Insured age: 0-70
Target contribution period+insured age cannot exceed 75 years old
After the policy has been in effect for 18 months, customers can reduce the premium to no less than the minimum term premium
2. Increase fixed premium:
If the client has lowered the fixed premium, it can be increased to no more than the amount set when the policy is issued at any time thereafter
Except for the above circumstances, the customer cannot increase the fixed premium
If the customer needs to increase the fixed premium to be higher than the original amount when the policy is issued, a new "Junyu Investment" must be insuredInsurance plan」
Policy account
The premium will be deposited into two different accounts of Junyu:
1. Initial contribution account:
The fixed premium for the first 18 months from the policy date will be deposited into the "initial contribution account"
2. Cumulative contribution account:
Any subsequent fixed premium (i.e., the 19th and subsequent fixed premium) will be deposited into the "cumulative contribution account"
Withdrawal of partial funds
During the target contribution year: only part of the amount can be withdrawn from the "cumulative contribution account"
After the target contribution period: customers can withdraw some funds from the "initial contribution account" and/or the "cumulative contribution account", provided that the total value of the remaining account after withdrawal is not less than the minimum account balance
Minimum account balance
During the target contribution year: N/A
After the target contribution year:Hong Kong dollars12000/USD 1500/EURO 1500/GBP960/AUD1,800 /SGD2400 or such amount as the Company may from time to time determine
premium holiday
Customers can apply for premium leave, but the following conditions must be met:
1. 18 months after the policy takes effect;and
2. The total account value is sufficient to pay the relevant due policy fees
Non failure guarantee
Only applicable to the first 18 months after the policy takes effect
If the value of the policy account drops to zero or less due to investment performance and/or payment of policy fees, the policy will not become invalid, and customers can continue to enjoy the benefits provided by this plan
If atGrace periodIf the due fixed premium is not paid at the expiration, the non invalidation guarantee will cease to apply
Product benefits
1、 First yearreward: First year reward=paid first year fixed premium x applicable first year rewardpercentage
Only applicable to policies with a target contribution period of 10 years or more
This reward will be distributed after the company receives the first year fixed premium each time during the effective period of the policy
2、 Rewards for long-term customers:Rewards for long-term customers=[the first 10policy year Total fixed premium paid within
Long term customer reward percentage of the total amount (if any) withdrawn in the first 10 policy years] x 4%
3、 Policymanagement expenseRebate: policy management fee rebate=100% of the total policy management fee paid within the target contribution year
Applicable to all Junyu insurance policies [regardless of the target contribution period selected by the customer]
The policy management fee rebate will be distributed at the expiration of the target contribution period during the effective period of the policy
Commitment to development and contribution to China
AXA
To contribute to the future of China, AXA Group develops Chinainsurance market Will.Since 1989, the Group has actively carried out activities in China. Over the years, AXA and its subsidiary, Guowei Insurance, have worked together to develop domestic businessFinancial insuranceWe have established a deep relationship with domestic peers, and also directly carried out a number of substantive work to build China's insurance market.
At present, the Group is located in Beijing, Shanghai, Guangzhou, Wuhan, Chengdu andDalianWithrepresentative officeAnd is committed to making long-term contributions to the development of the local insurance market.
Convinced that China's economic development prospects are very optimistic, the Group set up the China Asia Fund with a special investment of 500 million US dollars to focus on China and the Asian market, especially domestic basic consumer goods, production andEmerging industrySuch high growth industries implement the Group's commitment to China's economic construction.
AXA
As a global operatorInsurance GroupAXA is very happy to share the Group's international financial and insurance experience with domestic peers.Over the years, in addition toPeople's Bank of ChinaManagers have held seminars for many times to explore in depth around the worldInsurance supervisionIn addition to laws and regulations and mutual exchange of experience, it also provides overseas training and insurance lectures for staff and domestic peers to assist China's developmentInsurance。
To consolidate ChinaFinance and insuranceThe Group allocated about HK $10 million to establish China FinanceEducation Fund, set up insurance research centers, training centers and scholarships in a number of domestic colleges and universities, and sponsor seminars and overseas investigation activities.
AXA Group'sSino foreign joint ventureLife insurance companies will soon open.In order to serve Chinese customers wholeheartedly, the Group carried out business in 50 cities in China in 1996 and 1997china life insurance Market research to correctly understanddomestic marketAnd the concept and demand of the Chinese people for insurance.The two copiesanalysis reportIt has also been submitted to the People's Bank of China and submitted toDomestic insuranceInterbank release.
AXA GroupIt is expected that the Group's rich international insurance experience will help ChinaInsuranceAnd make important contributions to the long-term development of China.
AXA and China Minmetals Group jointly established AXA Minmetals Assurance.Already operating in mainland China
At the end of October 2010, ICBCICBCAn agreement was reached with AXA France and Minmetals on the purchase and sale of AXA Minmetals' equity.According to the agreement, ICBC will hold 60% of the equity of AXA Minmetals AssuranceControlling shareholderAXA will hold 27.5% equity.Chairman of ICBCJiang JianqingAt the signing ceremony, ICBC said that in terms of network channels, customer baseBrand influenceSuch advantages will contribute to the development of AXA Minmetals Assurance.After the completion of the transaction, AXA Minmetals Assurance will change its name to“ICBC AXA Life Insurance Co., Ltd”。
Development Center
The region set up by AXA Asia Pacific Holdings in Guangzhousoftware developmentCenter, referred to as Guangsheng (Guangzhou) Software, is mainly provided for branches in Asia Pacific regionIT Services。Mainly based on AS/400 platform.
