议案1关于调整总公司部门组织架构的

1、议案1：关于调整总公司部门组织架构的议案Bill 1：The Proposal of Changing theHO Organizational Structure本次总部组织结构设计重大职能调整摘要本次组织结构调整最大的改变，一是将农险条线多头管理，整合为统一的农险部，二是将原先商险的“产品全流程承包制”向基于流程的“责任中心制”改变，这对各部门的责任意识和客户导向有更严格的要求，除此以外，主要的重大调整及建议如下：部门/机构调整建议督导组在总公司设立非常设督导组，根据公司战略发展方向及业务发展需要，由公司委任相关领导、经验丰富的专家通过业务督导和业务协调，落实公司的重点项目。农险部由种、养

2、、林三个部门合并而成，内部覆盖全流程，从客户到理赔，但从风险考虑客服建议公司统一管理（客户投诉和承保理赔回访)，另外为加强农险的地位和作用，建议将其放入营销中心。营销渠道部设置该部门最主要就是统一管理公司的各类渠道，实施归口管理，并建设销售队伍。公司业务部负责域外业务开拓和分公司业务支持。从事股东业务、经代渠道和重点客户业务，并支持分公司落实重点客户和业务。战略企划部企划职能放入战略企划部，强化战略及其经营计划的指导。VIP客户服务及CRM系统（含政府关系），放在战略部统一管理推动，未来条件成熟后放入相应的归口管理部门产品及两核委员会为强化产品的创新和研发职能，通过统一的委员会协调产品、两核和

3、风险管理。明确5个战略方向的承接部门农险部承担“以政策性农险为主”，公司业务部承担“股东业务”，营销渠道部协同农险部及相关商险部门承担“县域经济”，车险部门承担“车险”，公司业务部协同营销渠道部牵头各部门，做好“总对总”业务Abstraction of the Department Functions Adjustment DesignThe most variety of the organization adjustment : First of all, make the multiple management integrated into a API department; seco

4、ndly alter the original production and procedure system of commerce insurance into the process based responsibility center system，which has more strictly requirements to the sense of duty and customer orientation, besides the key adjustment and suggestions as following table:Dpt.ChangeDirector Group

5、Set the non-permanent director group at headquarter, according to direction and requirements of the strategy development, appoint related senior executive or experts charges to practice the specified key projects by direction and coordinationAPICombine the original agriculture insurance, livestock i

6、nsurance and forest insurance. Set the full process, since customers to underwriting. Considering the customer service from the risk aspect, suggesting the company has unified management (claim, underwrite, settlement and tracking). In addition, in order to strength the role of API, suggesting set i

7、t under the sales center. Sales Channel Dpt.Manage the channels of company integrally. Carry out under centralized management by specialized departments, meanwhile construct the sales team.Corporate Business Dpt.Develop the external business and support the branches business. The main tasks include

8、shareholder business, broker channels and key customer business. Meanwhile support the branches to develop the key customers.Strategy and communicationThe strategy and communication hold planning function. Strengthen the direction to strategy and business planning. The VIP customer service and CRM s

9、ystem are suggested to put into the department and would classified into the appropriate department to centralize manage in future.Product and Insurance CommitteeTo strengthen the abilities of innovation and research, the united committee would coordinate the product, underwriting and risk control.D

10、pt. In charge of 5 strategic directionsAPI undertakes the policy agricultural insurance, corporate and business undertakes the shareholder business, sales channel cooperate with API and related departments to develop the county business, motor takes motor insurance, corporate and business and sales

11、channel takes the lead to ensure the headquarter to headquarter business.总部组织架构调整示意合并的部门新增的部门职能加强的部门 非车险部 再保险部营销渠道部农险部财务部资产管理部公司业务部产品精算部理赔客服部 信息技术部审计稽核部综合办公室战略企划部人力资源部 车险部中航安盟总部种植险部 养殖险部林业险部 财产险部 意健险部投资部合并名称调整董事会办公室总裁办公室名称调整合并市场中心营销中心运营中心 前台部门中台部门后台部门优化前优化后共同资源中心大项目部保险行业价值链风险及法律合规部法律合规部名称调整新增 客户服务部职

12、能划入名称调整战略规划部合并督导组Overview of Organization Architecture AdjustmentAssemble dept.New dept.Reinforce dept. Non-motor insurance ReinsuranceSales and channel dept.APIFinancial dept.Asset managementBackcorporate business dept.Products and actuaryClaim and CS ITAudit dept.General admin officeStrategy and c

13、ommunicationHR Motor Insurance Headquarter Crops insurance livestock insuranceForest insurance Property insurance Accident health dept.InvestmentCombineChange nameBOD officeGM officeCombineMarketing CenterSales CenterOperation CenterFrontMiddlebeforeafterCommon Resource CenterKey projectValue chain

14、of InsuranceRisk and complianceLaw and compliance dept.Change nameNew Customer service dept.Add functionChange nameStrategy dept.CombineDirect groupChange name调整后组织架构：总部拟设置营销中心、市场中心、运营中心、共同资源中心四个虚拟责任中心，分前、中、后台共设16个部门 非车险部 再保险部营销渠道部农险部财务部资产管理部公司业务部产品精算部理赔客服部 信息技术部审计稽核部综合办公室战略企划部人力资源部 车险部总裁市场中心营销中心运营中

15、心 前台部门中台部门后台部门共同资源中心风险及法律合规部督导组产品及两核委员会职业发展委员会信息技术与互联网委员会四川分公司吉林分公司辽宁分公司黑龙江分公司陕西分公司The adjusted organization architecture has 4 responsibility centers: sales center, market center, operation center, public resource center, which are divided into 16 departments Non-motor Insurance Re-InsuranceSales c

16、hannel DeptAPIFinance DeptAsset ManagementCorporate business DeptProduction and actuaryClaim and CS ITAudit DeptGeneral admin OfficeStrategy and communicationHR Motor InsuranceCEOMarket CenterSales CenterOperation Center FrontMiddleBackCommon Resource CenterRisk and ComplianceDirector groupProduct a

17、nd underwriting committeeCareer development committeeIT and network committeeSichuanJilinLiaoningHeilongjiangShannxi在新的责任中心定义下，各部门责任定位及其成本定位如下图示意客户渠道产品承保理赔客服投资管理支持责任中心前台营销中心市场中心中台运营中心后台共同资源中心公司业务部营销渠道部产品精算部理赔客服部农险部车险部非车险部再保险部信息技术部财务、审计、合规人力、战略、综合办公室等资产管理部股东价值最大化Responsibility and cost of departments

18、 under the new obligation center.CustomerChannelProductsUnderwritingClaimCustomer ServiceInvestAdmin supportObligationFrontSales CenterMarketing CenterMiddleOperation CenterBackCommon Resource CenterCorporation business dept.Sales and channel dept.Products & ActuaryClaim and CSAPIMotor insuranceNon-

19、motor insuranceReinsuranceITFinance, audit, compliance, HR, strategy, general office etc.Asset ManagementShareholders value maximization营销渠道部部门主要职责1.营销规划负责制定公司营销管理方面的各项规章制度及管理办法负责制定公司营销计划和营销政策负责组织实施组织化营销、定向营销等多种营销策略负责根据公司整体业务发展战略，建立总分支一体化的营销管理体系2. 渠道发展负责制定公司渠道发展策略，对渠道进行梳理和深耕，进行渠道规划并组织实施负责总对总的渠道（全国经代

20、渠道）统一归口管理负责网销、电销等创新渠道发展负责指导、检查、监督各分公司渠道管理工作负责县域渠道驱动3. 销售团队建设及管理负责销售基本法的建设、维护负责制定销售激励方案，并进行销售人员考核负责销售工具管理Sales Channel Dpt.Main Function1. Sales schemeFormulate the rules and regulations of sales management. Formulate the sales scheme and sales policies.Implement the sales strategy such as organized

21、marketing, directed marketing.Establish the integrated sales system according to the company overall strategy.2. Channel developmentFormulate and implement the channel develop plan.Centralized manage the headquarter to headquarter channel (country broker channel)Develop the innovative channel includ

22、e online sales and e-marketing.Direct and review the channel management of branches.Drive the county channel.3. Sales team construction and management Regulate and revise the basic rules of sales.Formulate the inspire scheme of sales, and assess the performance of sales.Administrate the sales tools.

23、公司业务部1、业务拓展股东业务开发：协调中航工业集团及法方股东方面的关系，组织、实施中航工业集团及法方股东业务方面的商险开发及拓展重点客户开发：负责开展公司关系业务等重点客户商险业务域外业务开发：分公司以外的业务开发和开拓负责总对总的渠道（全国经代渠道）的开发和拓展2、分公司业务支持协助分公司开拓本区域内的股东业务和重点客户业务部门主要职责Corporate Business Dpt.1. Business developmentShareholders business: coordinate the relationship of shareholders, organize and im

24、plement the development of commercial insurance business to AVIC and Groupama.Key customers: develop the key relationship business.Develop the headquarter to headquarter channel (country broker channel)2. Supporting the branches businessAssist branches to develop the shareholder business and key cus

25、tomer business in the area of branch.Main Function农险部1. 业务规划 结合各省（市）农业保险业务开办和农业保险实务操作实际，组织制定、修改和完善农业保险业务管理办法根据公司农业保险发展任务，负责制定公司农险业务的中长期发展规划、年度计划和竞争策略2、市场开发加强与各级政府沟通和联系，协助省分支公司农险业务的开发指导、监督、检查分支机构农险业务经营情况3. 产品管理提出公司农险产品开发计划，协同产品精算部负责农险产品管理负责涉农产品的开发及业务协调等4.承保负责农险业务的承保管理5.理赔负责农险业务的理赔管理6.政策研究负责深入研究国家农业和农

26、险政策及省、市、县农业经济，加强与各级地方政府的联系，开展沟通协调、争取政策支持研究、推广农险业务的经营模式和管理体制7.政府涉农商险业务开展负责各级政府涉农商险业务的开拓、开发部门主要职责API1. Business schemeFormulate, revise and complete the regulation of agriculture insurance business, which should combine with the business and practice of local agricultural insurance. According to the a

27、gricultural insurance business tasks, formulate the agricultural insurance scheme of medium and long term, annual scheme and competition tactics. 2. Marketing developmentStrengthen the communication and connection with government, support the provincial branches develop the API business. Direct and

28、review the agricultural insurance business of branches. 3. Products managementPropose the products develop plan and work with actuary dept. to take the responsibility of API products management.Develop the agricultural related products and coordinate the business.4. UnderwritingUnderwrite the agricu

29、ltural insurance.5. ClaimCharges for mange the claims of API.6. Policy researchResearch the agriculture and API policies and agricultural economics, strengthen the connection with local government, and strive for the policy support.Research and spread the operation mode and management system of API.

30、7. Agriculture related commercial insurance developmentDevelop the agriculture related commercial insurance with all hierarchy government.Main Function车险部1.经营规划负责制定公司车险业务的中长期发展规划、年度计划和市场经营策略研究车险业务的风险及特征，加强市场调研，制定并实施车险经营和承保管理制度和实务规章加强对外合作，积极开拓车险中介营销渠道加强车险客户资源管理，开发客户服务项目和手段，维护车险大客户资源，积极开展车险大项目和重点项目的公关

31、、展业和服务工作2. 承保支持研究车险业务的风险及其特征，加强市场调研，制定并实施车险产品开发、营销和承保管理制度和实务规章，建立风险管理体系指导、监督所辖分支机构车险业务经营、承保政策和产品定价等情况，适时调整经营策略，促进车险业务的健康发展，确保车险保费、利润计划的完成提出公司车险产品开发计划，协同产品精算部负责车险产品管理参与车险理赔政策的制定，提出改进车险理赔工作的意见和建议及时处理超省、自治区分公司权限车险业务的审核和上报工作，协调车险业务工作流程对农险部的涉农商险技术支持3. 策略研究研究国际国内车险市场发展动态、趋势和市场需求，及时掌握市场动态，适时调整经营策略确保公司车险业务健

32、康发展部门主要职责Motor Insurance Dpt.1. Business schemeFormulate the motor insurance scheme of medium and long term, annual schemes and marketing tactics.Research the risk of motor insurance and the features, carry out marketing research, formulate the rules and regulation for business and underwriting of m

33、otor insurance. Looking for cooperate opportunities, expanding the agency sales channel.Promoting client resource management, developing the service items, maintaining the resource of key customers, emphasizing the public relation, business development and services to the key projects. 2. Underwriti

34、ngResearch the risk of motor insurance and the features, carry out marketing research, formulate the rules and regulation for the products development, sales and underwriting of motor insurance. Build up the risk control system.Direct and review the motor insurance business of branches, include the

35、operation, underwriting and the price fixing, strategy adjustment. To ensures achieve the premium of motor insurance.Propose products develop plan of motor insurance, and cooperate with actuary to take the responsibility of product management.Participate the formulation of claim policy and propose t

36、he suggestions to improve the claim service.Review and report the business exceed the branch authority, coordinate the workflow of motor insurance.Supply technique support to agricultural related commercial insurance.3. Strategy researchResearch the domestic and foreign marketing of motor insurance,

37、 the trend and demand of marketing, master the marketing dynamic and adjust the business strategy.Main Function非车险部部门主要职责1.经营规划制定公司财产险、意健险、信责险等非车险业务的中长期发展规划、年度计划和市场经营策略：研究非车险业务的风险及特征，加强市场调研，制定并实施非车险经营和承保管理制度和实务规章加强对外合作，积极开拓财产险、意健险、信责险中介营销渠道2. 承保支持负责财产险、意健险、信责险等非车险核保权限管理，开展总公司权限内的非车险核保提出公司非车险产品开发计划，协

38、同产品精算部负责非车险产品管理参与财产险、意健险、信责险理赔政策的制定，提出改进财产险、意健险、信责险理赔工作的意见和建议负责指导、监督分公司非车险业务经营、承保政策收集数据信息，建设数据分析体系，建立风险地图工作对农险部的涉农商险技术支持3. 策略研究研究国际国内财产险、意健险、信责险市场发展动态、趋势和市场需求，及时掌握市场动态，适时调整经营策略确保公司非车险业务健康发展Non-motor Insurance Dpt.Main Function1. Business schemes Formulate the business scheme of medium and long term,

39、 annual schemes and marketing tactics for non-motor insurance such as property insurance, accident health insurance and credit obligation insurance. Research the risk of non-motor insurance and the features, carry out marketing research, formulate the rules and regulation for business and underwriti

40、ng of non-motor insurance. Strengthen external cooperation, expanding the agency sales channel. 2. UnderwritingCharge the authority management for non-motor insurance, and the underwriting under the corporation authority.Propose and demonstrate the improve and innovate planning of non-motor insuranc

41、e products.Participate the formulation of claim policy and propose the suggestions to improve the claim service.Direct and review the non-motor insurance business of branches and their underwriting policies.Collect data, build data analysis system and risk mapSupply technique support to agricultural

42、 related commercial insurance.3. Strategy researchResearch the domestic and foreign marketing of non-motor insurance, the trend and demand of marketing, master the marketing dynamic and adjust the business strategy.产品精算部1.产品管理负责对现有产品进行业务数据分析，完成专项评估报告并提交经营决策层负责及时向保监进行产品申报，完成产品报批的相关工作负责定期向农险部、车险部和非车险部

43、的承保条件提供建议负责产品生命周期管理2. 产品开发根据市场环境变化及发展需要，进行同业研究，制定并适时调整产品研发制度，制定、修改新产品研发计划并具体实施负责收集和分析公司新产品开发或产品改造等需求，并组织进行新产品开发或产品改造，包括条款拟定、定价测算、费率测算、产品风险模式、产品申报等；参与制订新产品推广方案，组织新产品培训，负责条款、费率规章的解释工作； 全面指导、检查各分支机构产品研发相关工作3. 精算负责险种设计开发、费率计算、计提责任准备金等有关业务精算、财务精算工作负责测算准备金数据，进行偿付能力管理部门主要职责Product Actuary Dpt.1. Products m

44、anagementCarry out the business data analyze to existing products, make the special assessment report and submit to the decision-making level.Filing the products to CIRC, and related work to products approving.Offering suggestions to underwriting business line.In charge of product lifecycle manageme

45、nt2. Products developmentResearching the competitors products base on the marketing circumstance and development requirement. Formulate and revise R&D regulations, update and implement the product develop planning.Collecting and analyzing the demand of development and improvement to the existing pro

46、ducts, and organize the products development and upgrade. Design the scheme of product promotion, organize the training, and explain the clauses and rate of fee.Direct and review R&D related working of branches.3. Actuary Design the new product , calculate the rate of fees, withdraw the risk reserve

47、 capital and other business and accounting related actuaries.Estimate the data of risk reserve capital, and solvency management.Main Function理赔客服部部门主要职责1.商险理赔管理制定并组织实施总部商险理赔的工作计划和相关制度、流程和规范制定并组织实施总部统一的理赔实务标准流程及理赔质量管理体系确定并实施核赔权限管理，负责总部以及分公司超权限案件的查勘定损、理算、核赔、复勘等工作指导、监督和检查分支机构核赔权限的履行，组织参与重大案件的理赔处理研究和应用理

48、赔技术手段，使用、推广和完善网上理赔系统定期向相关部门提供理赔分析报告，向业务部门提出改进和提高核保技术的建议负责临分（包括分入、分出）赔案和涉外赔案的处理负责车险定价库的建设和维护、公估公司的管理和定点医院的管理2. 客户服务管理制定客户服务管理制度、工作流程，标准化的服务规范负责全国范围客户的电话报案、咨询服务、投诉受理和投诉分析等工作建立服务质量测评和监督体系，处理各类客户投诉案件，组织实施客户服务水平的评价和监督维护客户关系管理系统，对客户信息进行分析运用负责车险和非车险的理赔回访、常规回访等回访工作负责农险的承保、理赔回访工作3.分公司理赔管理负责分支机构理赔队伍的统一管理，统一服务

49、体系建设Claim and Customer Service Dpt.Main Function1. Claim managementFormulate the regulations, workflow and rules of commercial insurance.Formulate the standard claim process and service quality management system.Claim settlement authority management, responsible for the loss assessment, the claim se

50、ttlement and the validation to the cases exceeded the authority.Direct and review the claim authority of branches, organize the claim settlement to the significant case.Research and apply claim technologies, promote and improve the online claim system.Supply the claim analysis report to related depa

51、rtments, and propose the suggestions to make a better underwriting.Deal with the facultative reinsurance claims and external claim cases.Establish and maintain the database of price fixing, management of insurance assessment organization and designated hospitals.2. CS managementFormulate the regulat

52、ions, workflow and standard of the customer service.Charge for the nationwide claim calls, consulting services, complaint analyzing.Establish the quality assessment and supervising system to deal with the complaint cases, meanwhile organizing CS quality assessment and supervising.Maintain the CRM ma

53、nagement system to analyze the client information.Organize the claim review and regular review to the motor and non-motor insurances.Charge the underwriting and claim review to the agricultural insurance. 3. Claim management of branchesCharge management of branch claim team, unify service system再保险部

54、部门主要职责1、保险风险管理根据风险管理要求，制定公司再保险管理规章制度、财务预算对公司风险分布状况进行统计分析，控制累积风险，安排系统内的巨灾超赔保障制定公司再保险计划，合理防范业务经营风险2、承保能力支持负责根据公司承保能力、业务风险状况和再保市场情况，研究确定自留额、再保险方式及再保险合同条件，统一管理再保险工作参与公司大型商业风险业务的承保和重大赔案的理赔工作负责集中办理公司临时分保业务和分入业务负责集中办理分保业务结算Reinsurance Dpt.Main Function1Risk controlAccording to the demand of risk management

55、, formulate the reinsurance regulations and set the budget of reinsurance.Statistic and analyze the risk distribution of company, control the risk accumulation, arrange the catastrophe excess of loss.Make the reinsurance scheme to avoid the business risks.2Underwriting supportAccording to the underw

56、riting ability, business risk status and reinsurance marketing, ensure the self-keeping amount, reinsurance method and contracts etc. Manage and handle the reinsurance business under the authority to diversify risks. Participate the underwriting to the high risk business and claiming to the signific

57、ant cases.Charge the temporary cede insurance and ceded-in insurance business.Reinsurance clearing.战略企划部1.战略规划完善和健全战略规划与发展的制度建设，拟定公司中长期战略目标和发展纲要研究公司经营发展的商业模式，拟定公司的发展方向和业务结构深入研究行业经营环境的变化，针对国内外、行业内外的重大事件、行业动态，灵活把握政策方向，为公司决策提供帮助2、管理创新管理、监督公司管理制度体系和业务流程体系的建立、完善和维护3.品牌和公关管理负责企业的内部文化建设和推广工作，包括企业文化设计，内网制作维

58、护、内部刊物、报纸等内部宣传媒介的管理等相关事宜负责公司品牌宣传、媒体维护和网站宣传内容的维护，负责公司整体的宣传品设计，宣传品管理发放等品牌管理事宜负责公共关系管理，VIP客户管理及CRM系统（主要为政府关系）4.企划管理编制公司业务计划和年度预算，追踪各部门、各机构预算执行和重点工作计划协助公司领导落实和推动经营计划5机构管理与保监会密切沟通，保障公司机构开设任务的完成按照公司计划，负责机构的筹建工作部门主要职责Strategy and Communication Dept.1.Stratigic planPerfect strategic planning and developing

59、institution, make long-term strategic goal and developing outlineResearch business model, make developing direction and business structureResearch changes of industry environment, focus on important event and industrial news internally and externally, hold politic direction, support decision making2

60、. Management innovationManage and supervise construction, improvement maintenance of managerial system and business process system3. Brand and public relationship managementInternal cultural construction and promotion, including enterprise culture designing, intranet construction and maintenance, in