Shoe Bag Enterprises Do Risk Marketing Management

On September 18th, the awareness of insurance in the shoe packaging industry and the manufacturing enterprises in China gradually increased, but not enough. How to choose a good insurance company?

Reporter: I find an interesting phenomenon: in foreign countries, risk management is business operation.

Huang Youxian: risk management originated from World War II. After a series of risk accidents, some large enterprises began to realize the importance of risk management.

For example, in 1953, a general automobile pmission factory in the United States lost about 50000000 dollars due to fire, and later the Three Mile Island nuclear power plant in the United States and the nuclear leakage of the Chernobyl nuclear power plant in the USSR.

Business schools in the United States began to study these cases, and began to develop a new management discipline involving how to protect personnel, property, responsibility, finance, resource allocation and so on. This is risk management.

Most international famous enterprises are very important in risk management.

They set up independent departments responsible for hiring professional insurance brokers to assist in risk management.

Of course, this aspect is often weak in China, which is closely related to the ownership structure of our country and the survival state of enterprises.

Many of us entrepreneurs often focus on product production.

In fact, the enterprise management risk is completely scientific management, proper arrangement, and can be avoided and pferred at a reasonable cost to the maximum extent.

The risk awareness of entrepreneurs is the key. The more they pay attention to risk management, the more they can ensure the firm's steady development.

Reporter: in this sense, the purpose of risk management is to ensure stable and healthy development of enterprises.

Huang Youxian: Yes, risk management plays an important role in the daily production and operation of an enterprise.

First, to avoid or reduce risk accidents before loss, two is to control the expansion and spread of accidents when losses occur and minimize losses; three, to make up for losses after losses, and to restore the state before losses.

Like our shoe business, the risks are relatively concentrated. Risk management measures in advance and after compensation are extremely important.

Reporter: for example, what risks do you need to pay attention to for shoes bag enterprises?

Huang Youxian: for our local enterprises in Guangdong, we must first pay attention to the risk of the production process.

Including fire, explosion, theft and other accidents, as well as typhoons, rainstorms, floods, mud rock flows and other natural disasters, these risks will cause losses of property, such as factories, machinery and equipment, and even production interruption.

After the products are produced, they need to be stored, packed and pported, especially during pportation. They may encounter natural disasters or collide and collapse, resulting in losses.

In product sales, manufacturers often use the "first goods after payment" means to attract distributors and buyers to trade.

In this market reality, because the information asymmetry between buyers and sellers, there is a possibility that sellers will generate large bad debts.

We call it the buyer's credit risk.

In addition, with the continuous improvement of laws and regulations, people pay more and more attention to liability risks.

For example, the fire causes the personal casualty and property loss of the surrounding personnel, and the environmental pollution caused by burning and leakage of chemical raw materials. As an employer, it bears the employer's liability risk for the workers' health and safety.

Reporter: what ways should enterprises take to avoid risks in operation, or what are the ways of risk management?

Huang Youxian: risk management is a long-term and complex systematic project.

In specific ways, I think we should remember "one principle, four methods".

One principle is to get the greatest protection at the lowest cost.

For risk, we can adopt four ways: avoidance, retention, prevention and pfer.

Reporter: can you tell me more about it?

Huang Youxian: avoiding risk means avoiding the possibility of loss.

If swimming is in danger of drowning, it will not go swimming.

Of course, for the business operation, many risks are unavoidable.

Prevention and pfer is a positive and effective way of risk management.

To prevent risks, such as fire safety measures that our enterprises often pay attention to, safety production education and so on, we should take preventive measures before accidents, reduce the possibility of accidents, and reduce the extent of damage caused by accidents.

To pfer risk, in short, is to pfer risk to the other side.

For example, when purchasing raw materials, the contractual risk of pportation is borne by the seller.

Purchase insurance is the most widely applied and effective risk management tool.

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Of course, under the premise of correctly analyzing their own risks, enterprises believe that potential losses are within the limits of their affordability, and that they are more cost-effective than buying insurance.

However, at present, most enterprises are either risk or lack of risk. They are irrational risks. This is quite dangerous.

Reporter: what kind of risk management measures do you suggest to choose for shoes and bags enterprises?

Huang Youxian: I want to give an example.

On one occasion, we went to an export factory in Foshan. The manufacturer insured the products exported abroad for export products liability insurance, with an annual premium of 50 thousand US dollars, which has been renewed for 3 years.

When we checked the policy, we found that the "coverage area" was listed as "within People's Republic of China". This did not mean that there was no guarantee, and the premium was $150 thousand for three years.

Fortunately, there is no danger. Otherwise, according to the insurance contract, the customer will not be able to find any compensation.

I would like to point out that the customer is not professional in insurance and risk management, so the best way of risk management for clients is to hire our professional insurance consultant, which can reduce the risk management cost and raise the level of risk management, and enable enterprises to concentrate on production, save trouble, save money and save money.

Reporter: it seems that most of us are insured by insurance agents or directly to insurance companies. What is the difference between hiring an insurance broker?

Huang Youxian: insurance broker is the insurance law of our country. It is also the only law that provides insurance and risk management services based on the interests of customers. We must be highly loyal to the interests of customers.

The insurance agent is equivalent to the salesperson of the insurance company, and the insurance company needn't say so.

Obviously, insurance companies and insurance agents are at the end of the scales, and customers are asymmetrical on the other side of the scale.

Therefore, we often hear the insurance claims difficult, unspoken rules and so on.

One of our clients is an old state-owned enterprise, which has been insured for 13 years in an insurance company and paid about 800000 yuan annually. The relationship between them is very good.

In 2005, the customer suffered a serious fire and the customer reported a loss of about 10000000 yuan.

However, the insurance company lost only about 2000000 yuan, and the differences between the two sides were serious. The case has been delayed for more than three years and has not yet been resolved.

In 2007, the company commissioned our company to help him claim compensation from the insurance company.

We explained through professional insurance contract terms, two-way communication with customers and insurers, clarifying the context of the case, studying and determining the claim items one by one, resolving the differences between the two sides, and ultimately successfully helping the clients to claim more than about two million yuan (when we first intervened, the insurance company made a claim to the customer for 4 million yuan, and the customers disagreed), which increased by more than 60%.

The customer is very satisfied, fully affirming our professional ability, and hiring our company's exclusive insurance and risk management consultant.

Obviously, our intervention tends to balance the scales.

We are familiar with the operation rules of the insurance market, and have professional risk management techniques. It is also a true representative of the interests of customers and can maximize the protection of the interests of customers.

Reporter: how does insurance broker charge?

Huang Youxian: the insurance broker charges more flexible. We have both the consultant fees for the risk management consultation and the cost of assisting the claims. However, there is no extra cost to arrange insurance through insurance brokers.

Interviewer: I think "wool comes out on sheep". I think most people would think so. What do you say?

Huang Youxian: wool must be on sheep.

However, it depends on whether the total premiums are reduced. Is the guarantee more comprehensive and reasonable? Is the service increased?

I have worked in an insurance company for 25 years, and I am very clear about the internal accounting system of insurance companies.

In fact, the insurance company has done a business, it is necessary to extract the cost, or to the broker, or to the salesman.

However, the insurance company is separated from the insurance company, and the salesman pulls the business back to the company to undertake the insurance, and claims and other services are managed by other departments.

And brokers are different.

Many of our customers originally insured directly against the insurance company. After they hired us, they not only increased the number of insurance items, increased the scope of protection, increased the premium, but also received our full range and whole process services, including risk assessment in advance, providing training and occasional risk prevention suggestions, especially the help settling service after the accident, so that customers could truly experience the worry and save trouble.