Monday, November 11, 2013

變!變!變!

面對菲國遭風災摧殘,禤中怡呼籲大家,齊齊伸出援手,救助他們脫險境。至於馬尼拉人質事件的訴求,當然仍需追究。
言歸正傳,過去一周,環繞身邊的就是「變」,話雖近年尾,似是收爐之際,驚聞蘇黎世保險計劃將直屬代理(Agent)部門的經營模式,轉變為經紀(Broker)的營運模式,影響非同小可。
這間在港有52年歷史的公司前身其實名鷹星保險的英國老牌保險企業,後來才易手至今,亦是罕有同時提供人壽和一般保險業務的企業。
不過,去年8月底,蘇黎世才委任衛志雄為蘇黎世香港人壽業務行政總裁,怎知上月底又委任蔡惠儀接任該職,人事交替都頗為頻繁。
當然,近年爭奪代理戰從沒停止,不管是友邦(1299)和宏利(945),甚至是小小超剛買入的新生意富衛也搶人,難免令市場陷混戰。
那麼前景如何?其實,可能是適應市場環境轉變的新策略,客戶並非購買單一公司的產品,而銀行和金融機構的「超市」式銷售策略也具競爭力。
面對這種環境,可能有危有機,危的是,脫離直屬代理行業,可能加入由本來大頭頭自行組建的新公司,失去蘇黎世這棵大樹,畢竟公司規模大,雖然代理以自僱身份發展業務,但該公司一向提供Loyalty bonus,即按每月所簽生意額所獲佣金,按一個百分比參與供款,意味生意愈好,這類獎金便愈多,分分鐘比強積金更優勝。
至於轉變為經紀公司後,是否成為一個銷售職員,恐怕要看看怎善後,但新轉變可趁機銷售其他公司的產品。據了解,這類經紀公司可按法例銷售最多4間公司的保險產品,的確可擴闊銷售種類和客戶層面。
同資深保險界朋友談起,佢話其實保險公司有苦自己知,過去為刺激旗下代理努力銷售,各間保險公司都千方百計,如藉獎勵等方法提高全年度保費(Total Annual Premium,TAP)等,但從業員往往利用這些「遊戲」,大做生意,當獎金袋袋平安,並符合最低保單持有時間後,便斷單了事,扣除買單成本後,依然有賺,自然樂於參與,可惜保險公司做的卻是長線生意,儘管早計入行政費用等,奈何保單生效時間短暫,怎樣有回報呢?變相白做、甚至蝕做,豈不慘哉?
除了該公司外,見到電腦品牌ACER(宏碁)高層震動,創辦人施振榮親自出山,協助轉型,便知道「變」是商場經營上不能避免的,否則公司只有敗北,可惜篇幅有限,未能詳談,但值得大家去多了解,或許有些得著。

(11月11日刊於《am730》)

11 Comments:

At 9:06 AM, Blogger oakleyses said...

air max, burberry outlet, true religion jeans, louboutin, louis vuitton outlet, louboutin, ray ban sunglasses, tiffany and co, coach outlet store online, oakley sunglasses cheap, christian louboutin shoes, longchamp outlet, louis vuitton, true religion jeans, tory burch outlet, kate spade outlet, kate spade handbags, oakley sunglasses, jordan shoes, polo ralph lauren outlet, louis vuitton outlet, louis vuitton handbags, coach outlet, prada outlet, ray ban sunglasses, chanel handbags, michael kors outlet, longchamp handbags, michael kors outlet, oakley sunglasses, nike shoes, air max, coach purses, michael kors outlet, longchamp handbags, louis vuitton outlet stores, nike free, prada handbags, coach factory outlet, gucci outlet, tiffany and co, louboutin outlet, michael kors outlet, polo ralph lauren outlet, michael kors outlet, burberry outlet, michael kors outlet

 
At 9:18 AM, Blogger oakleyses said...

abercrombie and fitch, hollister, sac burberry, sac hermes, nike free pas cher, michael kors, sac guess, timberland, nike free, lululemon, new balance pas cher, true religion outlet, sac louis vuitton, mulberry, louis vuitton uk, longchamp, nike roshe, vans pas cher, air max, louboutin, vanessa bruno, nike blazer, hollister, air force, ray ban pas cher, true religion outlet, north face, oakley pas cher, hogan outlet, nike trainers, nike tn, air jordan, sac louis vuitton, polo lacoste, louis vuitton, air max pas cher, michael kors pas cher, michael kors, polo ralph lauren, sac longchamp, converse pas cher, ralph lauren, nike roshe run, barbour, nike air max, air max, north face, ray ban sunglasses

 
At 9:27 AM, Blogger oakleyses said...

marc jacobs, soccer shoes, abercrombie and fitch, hollister, asics running shoes, canada goose, ugg boots, nfl jerseys, reebok outlet, herve leger, ugg, north face outlet, mont blanc, longchamp, insanity workout, canada goose uk, chi flat iron, babyliss pro, ugg pas cher, ugg australia, canada goose jackets, mcm handbags, canada goose, wedding dresses, new balance shoes, mac cosmetics, soccer jerseys, celine handbags, birkin bag, p90x, ferragamo shoes, valentino shoes, nike huarache, beats by dre, ghd, instyler, jimmy choo outlet, lululemon outlet, bottega veneta, canada goose, rolex watches, canada goose outlet, vans shoes, nike roshe run, moncler, ugg boots, north face jackets, uggs outlet, giuseppe zanotti

 
At 9:33 AM, Blogger oakleyses said...

louboutin, moncler outlet, juicy couture outlet, iphone 6 cases, hollister, moncler, karen millen, oakley, baseball bats, wedding dresses, ray ban, gucci, canada goose, ralph lauren, canada goose, swarovski crystal, hollister clothing store, moncler, air max, converse, pandora jewelry, juicy couture outlet, rolex watches, moncler, supra shoes, moncler, pandora charms, ugg, vans, toms shoes, links of london, pandora charms, air max, timberland boots, parajumpers, hollister, thomas sabo, louis vuitton, montre homme, coach outlet store online, lancel, ugg, swarovski, moncler, converse shoes

 
At 11:34 AM, Blogger mmjiaxin said...

polo shirts
supra shoes
tods shoes
ugg boots uk
barbour jackets
tommy hilfiger
hermes outlet
coach outlet online
polo ralph lauren
abercrombie and fitch
abercrombie and fitch
adidas outlet
uggs outlet
ralph lauren outlet
ugg clearance
hollister clothing
true religion jeans
kobe 9
tiffany outlet
cheap uggs
mm1130

 
At 3:20 PM, Blogger ninest123 said...

ninest123 16.01
oakley sunglasses, cheap oakley sunglasses, michael kors outlet, louboutin, longchamp outlet, michael kors outlet, uggs on sale, nike air max, louis vuitton, louboutin shoes, christian louboutin outlet, polo ralph lauren outlet, burberry, ugg boots, michael kors outlet, nike air max, ray ban sunglasses, michael kors, ray ban sunglasses, michael kors outlet, replica watches, chanel handbags, jordan shoes, ugg boots, louis vuitton, prada outlet, oakley sunglasses, ray ban sunglasses, longchamp outlet, louboutin outlet, gucci outlet, louis vuitton, burberry outlet online, prada handbags, michael kors outlet, louis vuitton outlet, longchamp, replica watches, oakley sunglasses, polo ralph lauren outlet, tiffany jewelry, louis vuitton outlet, nike outlet, tory burch outlet, oakley sunglasses, tiffany and co, ugg boots, nike free, ugg boots

 
At 3:21 PM, Blogger ninest123 said...

michael kors, michael kors, hogan, oakley pas cher, nike air max, mulberry, ray ban pas cher, nike air max, longchamp, converse pas cher, ralph lauren uk, nike free run uk, true religion outlet, replica handbags, nike trainers, abercrombie and fitch, air force, hermes, true religion jeans, nike free, air jordan pas cher, vanessa bruno, nike roshe run, lacoste pas cher, longchamp pas cher, nike huarache, hollister, nike roshe, north face, north face, ralph lauren pas cher, true religion jeans, burberry, sac longchamp, vans pas cher, tn pas cher, michael kors, michael kors, coach purses, nike blazer, sac guess, new balance pas cher, nike air max, hollister pas cher, true religion jeans, coach outlet, louboutin pas cher, ray ban uk, lululemon, air max, timberland

 
At 3:25 PM, Blogger ninest123 said...

lululemon, birkin bag, iphone 6 plus cases, soccer shoes, ipad cases, baseball bats, insanity workout, valentino shoes, iphone 6 cases, north face outlet, s5 cases, mcm handbags, asics running shoes, vans shoes, mont blanc, oakley, celine handbags, gucci, ray ban, p90x workout, iphone 6s plus cases, north face outlet, new balance, ferragamo shoes, hollister, nike air max, vans, giuseppe zanotti, iphone 5s cases, reebok shoes, bottega veneta, mac cosmetics, iphone 6s cases, abercrombie and fitch, jimmy choo shoes, louboutin, timberland boots, nfl jerseys, nike roshe, babyliss, instyler, chi flat iron, iphone cases, ralph lauren, hollister, beats by dre, converse, soccer jerseys, herve leger, ghd, wedding dresses, nike air max

 
At 3:28 PM, Blogger ninest123 said...

coach outlet, doudoune canada goose, barbour, converse outlet, canada goose outlet, juicy couture outlet, barbour jackets, canada goose, juicy couture outlet, canada goose uk, toms shoes, pandora charms, ugg pas cher, pandora jewelry, ugg,uggs,uggs canada, louis vuitton, montre pas cher, swarovski, hollister, louis vuitton, swarovski crystal, marc jacobs, canada goose, moncler, thomas sabo, lancel, canada goose, wedding dresses, louis vuitton, replica watches, louis vuitton, moncler, moncler, sac louis vuitton pas cher, moncler outlet, pandora charms, links of london, karen millen, ugg,ugg australia,ugg italia, moncler, supra shoes, bottes ugg, doke gabbana outlet, moncler, pandora jewelry, moncler, canada goose, canada goose outlet, moncler, ugg boots uk
ninest123 16.01

 
At 1:44 AM, Blogger Liu Liu said...

There’s an all-Big Ten semifinal in the College Football Playoff. As christian louboutin shoes of now, anyway.

A Nike Roshe Run week after the teams ranked Nos. 2, 3 and 4 lost, Ohio State vaulted to No. 2 in Tuesday night’s College Football Playoff rankings. cheap nfl jerseys Michigan, which was No. 3 last week, NFL Jerseys held serve in the same spot while Clemson Nike Free Run fell from No. 2 to No. 4.

The likelihood of Michigan and Ohio State facing each other in the Playoff is, of course, very louboutin outlet small. The hated christian louboutin uk rivals face off on Nov. wholesale nfl jerseys 26. Assuming neither team loses on nfl jerseys store Saturday, Nike Air Max 90 the winner will remain in the top four while the loser will Nike Air Max 2015 Shoes likely fall out.

 
At 12:40 PM, Blogger van tuan said...

Công ty sản xuất giày nam đẹp cao cấp với giày công sở nam đẹp nhất và giày lười nam đẹp. Chuyên nhận thiết kế nội thất tại hà nội, đơn vị thiet ke noi that căn hộ chung cư vinhomes nguyễn trãi với nội thất tiện nghi chung cu vinhomes nguyen trai hiện đại trong thiết kế vinhomes nguyễn trãi đẳng cấp vinhomes nguyen trai là căn hộ cao cấp vinhome nguyen trai chất lượng hàng đầu vinhome nguyễn trãi gần gũi với thiên nhiên vincom nguyen trai trung tâm thương mại vincom nguyễn trãi

 

Post a Comment

<< Home