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Bus reform plan or years has tendency of Hangzhou mode

Twenty-first Century economic report Yao Jianli reports from Shanghai 2012-03-30 03:13:11

Public transport plan time and again, finally is introduced this year.

March 28th.For 10 consecutive years. The bus proposed reform of the National People's Congress Ye Qing told this newspaper, the reform is likely to be the turning point in the year.

In March 22nd, the State Council approved the national development and Reform Commission "on deepening economic reform in 2012 focus on the work of the views". The proposed guidance to promote the reform of official vehicle using system, timely introduction of the central and state organs and public transport system reform program, specifically, by the country's central office, development and Reform Commission, Ministry of supervision, the Ministry of finance is responsible for.

For program advice Ye Qing tells our newspaper the reporter, this two draft documents last year has been basically formed, to seek the views of the ministries, waiting for the right time issued, "estimates but no more than 7 of this year, August".

Among them,Official vehicle using system reform guidance will be the basic form of the car -- different ranks, different regions of the car by different standards, regulations limit around the car, according to the local conditions to set the specific amount.

Said Ye Qing, close to the idea of overall with "Hangzhou mode", the bus exit mechanism through the implementation of subsidies. But the subsidy would not too high, some of the provisions and he has always advocated "Yip's car" similar ideas: "since the purchase of private cars", "the city of 1000 yuan / month", "travel (city) accountable" etc.. At the same time, and the place is different, the central organ of the car will provide two solutions -- use special official cars or subsidies, vice ministerial level cadres, freedom of choice. In addition, the general public bus to the socialized operation.

Monetary subsidies

The premise of the reform, according to Ye Qing said, is the bus must clear aperture.

He introduces, at present the central aperture is defined by the government, official car for the party and government organs at all levels of finance, the full budget unit staff, need to be equipped with vehicle performing official duties, "on this basis, the reform scheme of Beijing City discussion has agreed with the state-owned enterprises, this should be a direction."

The bus reform plan, the central authorities leaves pointed out, the core must be affixed to fill, fill the number. Directive opinion bus reform nationwide, will also adopt he mentioned before, the car set upper and lower limit.

He made an example. For example, provided cadres car range 1000-1500 yuan / month, the eastern area shall not exceed a maximum of 1500 yuan / month, the western region is the lowest not less than 1000 yuan / month, the specific amount by various provinces and cities with the actual area, "regulate the appetite according to the dishes".

College of public administration of Tsinghua University director of the center for anti corruption and governance research Ren Jianming said, this year by the scheme "according to the rank is the core issue in car". He introduced,In many discussions on the bus reform plan, "the currency subsidy" is the focus of discussion.

According to the degree of currency, after the local model to distinguish three categories: in the Pearl River Delta as the representative of the abolishing subsidies, with Kunming as the representative of the centralized and unified management, and in Hangzhou as the representative of the bus service center set up unified deployment model.

In recent years, Guangdong Province, Guangzhou, Zhuhai, Huizhou City, District, street car, the main monetary model, cancel the bus, are set up according to the civil service rank subsidy standard.

For example, in view of the security law unit of more than 3000 people more than 700 cars start line of Huizhou City, last year the subsidy standard from section 500 yuan / month to a positive level cadres 2800 yuan / month.

This model, Kunming in 2005 May, in Kunming City Economic and Technological Development Zone, Dianchi National Tourism Vacation Zone, hi tech Development Zone, 3 units for the pilot had also, at that time, Kunming Deputy Department official monthly allowance is 1800 yuan, but ultimately failed to promotion has come to an end.

5 years later, Kunming new car modification program regardless of rank, civil servants payment of 400/ month per capita subsidies, the exceeding part by the person responsible for.

2009, according to the bureau level cadres launched car following civil servants of Hangzhou, car stickers from 300 yuan / ordinary civil servants to the Bureau of civil servants of 2600/ months, directly into the official citizen card, cannot take now.

According to estimates, Hangzhou car two years to save public transportation costs a total of 34420000 yuan, saving expenditure more than 30%.

But all the local subsidies have a problem, the more the higher rank, car stickers, but in fact they do not necessarily travel more, "this vulnerability at present no solution."Ye Qing frankly.

Buy to rent?

After the car payment, how to carry out the official daily official business with the car? Ye Qing said, the state's upcoming project, close to the idea of overall and "Hangzhou model".

In the view of Ren Jianming,The most typical characteristics of the Hangzhou pattern is "buy to rent", which was set up by local official bus rental center, integrated management.

All units in the two years prior to the 400 buses in 200 by leasing center retained, 132 supplement law enforcement unit work vehicles, 57 vehicles were auction, the remaining 11 car for scrap processing.

After use, civil servants for business needs the car, must make an appointment ahead of time, Hangzhou City, Ling'an City, planting area, Fuyang City, the use of a common bus 180 yuan / day, mileage exceeds a certain other billing, costs incurred by the public card consumption.

In the other two pilot area of Guangdong and Kunming, when the majority of more urgent business "private public choice". Data shows, retains the quantity reduction of 59% Guangdong Huizhou PUC authority police cars, Kunming to carry out the new reform, reduction of about 50%.

The Hangzhou model is favored, with its convenient and easy to monitor the. Professor Zhang Guoqing of Zhejiang University School of public administration, Hangzhou carNot only to avoid civil use the government cars for private purposes, but also blocks the driver "profits" roadIn personal relationships, "with a step from the direction of".

Ren Jianming sure Hangzhou models at the same time, also said that this allocation method may present a risk of dual track system, "will not be abused to the local government strictly, should set specific goals, in 3 - 5 years, completely to the monetary market".

As noted, secondary and above the city quite a few have money and market conditions.

The car, once finalized, or will open official car rental market, bring good news to the car rental market.

The central ministries subordinate agency recently learned in the research, the whole car rental market, including the use of government organs, enterprises and institutions, social organizations, is a "sunrise industry", the future prospects more optimistic.

The mechanism of an insider introduction, the overall rental market has not been fully developed, the proportion of very small. Specific to the government departments, institutions of public rental, ratio is small, even if there is, it is more fragmented rental, few institutions unified long-term rental car commercial vehicle and other small vehicles, generally only commuting car.

According to Ye Qing introduction,The central authority bus reform, will be "free to choose, or stickers on the vice ministerial level leadership program, or special vehicles".

This should not give the car?

Backtracking bus reform, it is a lasting 18 years tug.

In 1994, the CPC Central Committee General Office, the office of the State Council jointly issued "on the party and government organs vehicle equipped with and using management regulations", opened the prelude to the reform China. Since 2005, the implementation of the reform of national economic system opinions issued by the State Council, the reform has highlighted at a time.

However, the reform has 18 years no significant effect, and even many provinces and cities "more change and exceed the standard", "some local fat car is the car system rationalization, because has not issued a mandatory system cancel the local bus. Results were similar as with car and bus." Ren Jianming frankly.

Some critics say, the bus subsidies is disguised raise, think that the bus should not match, not a monetary subsidies.

Ren Jianming pointed out that this view has certain rationality, but considering the reality, if can promote Hangzhou pilot mode, each year hundreds of billions of Yuan bus consumption, you can save at least half.

Zhejiang University professor Zhang Guoqing also agreed, "realistic conditions, car stickers can be added, the key is to fair compensation, cannot make the unfair control over the owner's hand in power."

In addition to the moneyed interests, leading cadres will cancel has been considered of no small difficulty. Ye Qing pointed out that one of the core eye off change in.

Zhang Guoqing mentioned the statistical data of 5 years ago, the government a bus costs 80000 dollars a year. If an official a year can save 80000 yuan,According to 2010 statistics, China civil servants for 6894000 people (organs, mass organizations according to the civil servant management of staff and institutions not included),According to the calculation of the proportion of 10% equipped car, one car one will be able to save about 50000000000 yuan.

"Such a huge waste of warned the government, in any case, should introduce the social participation." Ye said.

Renmin University of China China government system innovation research center director Mao Shoulong said, 18 years the reform only stay on the aspect of technology, "in essence, this is the local fiscal problems".

He thinks, buy a bus if countries invested in by the state plan, the local people pay is decided by the people,"Only the government departments and personnel, financial democracy democracy, can solve the bus problem fundamentally, otherwise no matter how change, car stickers to fill, have questioned".

National People's Congress Ye Qing: new car subsidy program can not be too high

Twenty-first Century economic report Yao Jianli reports from Shanghai 2012-03-30 03:16:06

10 years of research, called for 10 years, was finally ushered in the official car of a breakthrough in the year, the National People's Congress Ye Qing excitement, "this is really very happy".

The car turned for the better, he has no reason to not excited. You know, in 2004 the National People's Congress, Ye Qing presented the first car, but no reply.

Although the country had issued official car reform scheme, but the moment of the collapse, not a car to make the whole society, also few people are concerned, so the eyes of others he is "offbeat", even thought he was "indulge in the wildest fantasy". From now on, the car died only two reasons, one is the opposition force too strong, two is far from universal car. Until 2001 he bought the first car, Santana, Jetta, Beverly only, Xiali, Geely, main models. He chose the xiali.

Finally this year is expected to come true, "local officials are waiting for guidance center".

Four point theory has not changed in ten years

"Twenty-first Century": are you from what time began to focus on the car, then why would have thought that the cart?

Ye Qing: exactly, should be started from 1992 on, I became a teacher at the Zhongnan University of Economics at the time, the evolution of Chinese fiscal system, bus waste phenomenon has begun to emerge, I focus on the 1993 Guangdong car, 1997 Daqing car, especially for the Daqing car to deep impression, one is after all, is a prefecture level city in the car, the two is the Daqing City Commission for Discipline Inspection, summed up the famous "bus three 1/3" --The bus leading public 1/3, 1/3 leading private, private 1/3 driver.

Over the years, I have been on the car, until 2003 to enter the Statistics Bureau of Hubei Province, finally has a chance to put my plan to practice, is a logical process.

"Twenty-first Century": you use the advice about what are the main 10 years, what the big change?

Ye Qing: the main content of my plan has not changed, has been a four point: since the purchase of private cars, the city of 1000 yuan / month, travel (out of Wuhan City) accountable, suggest dual transition.

Variable is the car line, just before the start of the three years (2003-2006 years) me 500 yuan / month, the back story is 1000 yuan / month. I also recommend to the car with oil prices linked to, every one, if oil prices fell, the car subsidy can consider fell 10%, if up, can rise 10%.

The 2003 oil price only 3 yuan, has now risen to 8, car stickers if do not fit.

This year I also suggest, put the cost drivers into the bus consumption scope. Now the bus use, the leadership of the office of 1/3, leading service 1/3, 1/3 driver,Announcement organ directly under the central government last bus consumption 6200000000Does not include the driver's money, if their algorithms, the driver about 3000000000 yuan.

Part of the official limousine reservation

"Twenty-first Century": after adjusting for these suggestions, you think whether the practice, what is the key?

Ye Qing: mainly change idea, civil servants to understand own car does not represent a privileged class, take the bus more than to enjoy, but to work, work to reduce the administrative cost, if this't turn, car very difficult to succeed.

Of course, 10 years of development, also prepared some objective conditions for the car: on the one hand, compared to the past, now have the supervision mechanism and more powerful, the tolerance to reduce the use the government cars for private purposes, the space is compressed, the risk also increases the use the government cars for private purposes, the institutional constraint Daobi bus reform.

On the other hand, now the car compared to the overall level of consumption, not expensive, most civil servants can afford to buy a car, as long as the abolition of the bus, they can rely on private cars. In fact, for many people, the bus is not necessarily enjoy, but more like work.

Therefore, the reform has to "do not change.". I met some prefecture level city mayor in Beijing NPC and CPPCC period, they all said that in countries such as the bus reform guidance, as long as an introduction, they can begin to work at the local.

"Twenty-first Century": compared with the developed countries are scheme and once around the scheme, what similarities and differences?

Ye Qing: the main content is basically not changed, orThe bus exit mechanism implemented through subsidies, includes three parts: one is rationing, party and government organs and leading cadres to with car; two is the socialization, provide bus and driver by enterprises, organs and units to hire; three is the currency of payment, namely car to pay. This also is the universal way of use.

Different point is also with my similar, the amount of subsidies adjusted.

In contrast, from 1996 after experience, car plan of the central organ of state this would give the selection, or the bus or car, at least above vice ministerial level car can retain, the level below the car must cancel, can such a decade or two after the cancellation of the range gradually expanded.

Hangzhou model is the transition

"Twenty-first Century:" had to regulate the management of the bus, the central and local is how to promote? In the presence of what?

Ye Qing: the standard management of bus basic not officially opened, from a local point of view, the question is how much of the car is not clear, because the source of these cars is uncertain, some financial purchase, some units are superior arrangement, some reward.

In contrast, the central state organs and the bus comes clear, easy to calculate, but the number of cars has been changed, or buy new, or scrapped, time a long and messy, standardized management difficult.

So now the reform better schools in Hangzhou, the most feasible, management costs are relatively low. But only three five years of transition, ultimately should be monetized, marketization.

"Twenty-first Century": why the end towards monetization, market, now Hangzhou's approach in the long run is not suitable, there are problems?

Ye Qing: that's for sure, Hangzhou city public transport service center of the car is not bought from the market, or a part of the original bus take down, or the government in the dominant, as the transition is worthy of recognition, because not all of a sudden move toward the market, the rental market has not developed.

But this approach or tracks, long-term will certainly be a problem. A few years later, this part of Hangzhou city will eventually sold to enterprises, run by enterprises to hire, Shanghai television station more than 30 Taiwan is a symbol of unity is so interview vehicle, car and driver are provided by a company, TV station to them hire, time of the journalists and photographers are out before you can use.

"Twenty-first Century:" official car reform plan your understanding began when, what is the reason not issued years?

Ye Qing: the first national bus reform plan is in 1996, but because it is the abolition of all direct bus car stickers, fast, soon died.

This scheme last year already forming, at least also brewing for several years,Now look at the views of the various ministries, balance.

So many years have not issued because of too much resistance, was not to implement a dual track system, so all parts only change or not to change, not the third road. In some places changed too fierce, official boycott, dormant; some places changed too light, people against the voice is high, officials think a thankless task, simply to maintain the status quo, do not change. These are not realistic.

Health care "entrust management" or push mode of Jiangyin

Twenty-first Century Economic Report Li Peng Jiangsu Jiangyin 2012-03-30 00:33:15

The reform "1025" planning to carry health insurance commission management, encourage the government to purchase a service agency qualification of commercial insurance institutions. The reporter understands, the Ministry has opened a research topic, Beijing, will soon begin a pilot.

In fact, insurance entrusted management has precedent,The formation of trusteeship mode in Jiangsu city of Jiangyin Province as the representative of theAnd the supplementary mode in Guangdong Province as the example of Zhanjiang city.The former is the practice of the basic medical insurance fund to commercial insurance institutions managed, management fees paid by the financial;The latter from the basic medical insurance fund to extract a certain percentage of the purchase of commercial insurance services, improve the level of medical security in general.

The reporter learns, the above two approaches have gained health minister Chen Zhu sure, Guangdong this year will be in the mode of Zhanjiang province promotion, hosting business Jiangyin also intends to expand the medical insurance fund.

However, the Zhanjiang mode of commercial insurance occupation of basic medical insurance fund approach has objection; and Jiangyin model to be promotion also is not easy: Government in separate tubes do coordination pattern, explore and experience and the specialized agency for ten years, a short period of time is difficult to copy.

The third party management

Compared with the Zhanjiang mode, Jiangyin mode is the most advantage of the health care truly become a "third party", independence is stronger than the administrative medical insurance institutions.

Jiangyin City, the new CMC was founded at the government level, from the overall planning. The office is divided into two institutions: the new rural cooperative medical service management center of the Wuxi branch of the Pacific Insurance (hereinafter referred to as the "business center"), operation management for 360000000 local fund; Affiliated Municipal Health Bureau of New Rural Cooperative Management Office (hereinafter referred to as "joint management office"), is responsible for policy formulation and management by objectives, at the same time the industry centers and hospitals for supervision.

The arrangement is subject to the "pipe run separate" principle, so that the industry management center can One principle runs through it all. neutrality.

Industry management center has hosted the NCMS and later incorporated into the medical insurance for urban residents. "10 years without one node newspaper doubt", deputy general manager of CPIC Wuxi branch Li Yajie said.

Since 2006, in addition to providing estimates, management center began to put forward professional advice to management office, to formulate and implement the management of medical insurance scheme. They designed a series of innovative mechanisms, such as the efficiency of fund use of goal formation mechanism, negotiation mechanism of medical institutions, drug treatment list management mechanism and so on, in order to ensure the rational use of funds.

Operation monitoring Fund chief Qian Wei introduction, management center for drug review them one by one month before 50, the abnormal situation is presented and discussed, adjust reimbursement directory. In addition, unreasonable examination, unreasonable hospital also in monitoring list.

For instance, and medical institutions to negotiate fund payment agreement, if the parties fail to reach an agreement, the CMC will intervene, if recognized industry tube center opinion is reasonable, the hospital must be executed; otherwise the scheme of fine-tuning. "Often argument was flush with shame," co management office director Gu Lizhong said.

Li Yajie thinks, hospitals and doctors are two main independent, the above method in addition to control cost, but also can force the hospital to strengthen internal management, improve governance structure.

Save 2000000 yuan

Jiangyin City Hall openly in the prestigious journal data shows, 2010 year Jiangyin city actual hospital compensation ratio of nearly 50%, hospital policy compensation ratio of nearly 75%, the average hospitalization expenditure fund is only about 20% of the other social medical insurance.

In order to buy the service, Jiangyin City Hall 2010 to Taibao payment management costs 2000000 yuan (including that wages and working expenses); considering the human cost factors such as rising, the cost increased to 3000000 yuan in 2011.

If the direct management by the government, the first to establish a branch at least 70 - 80 people team, into the career preparation, according to local each series every year 100000 yuan standard, single is the human cost will be nearly 8000000 yuan, so a calculate, 2011 will save 2000000 yuan.

Li Yajie said, the new rural cooperative medical fund custody business is not profitable, the use value of the commercial health insurance Taibao the high barriers to new business areas. At present, the insurance industry has attempt nothing and accomplish nothing in the field, and CPIC through medical insurance management service, highly integrated into the existing health care system, won the opportunity to seize the commanding heights of commercial health insurance.

It is understood, CPIC Jiangyin branch in early 2010 launched a commercial catastrophic supplementary medical insurance.

According to the average profit level of international health insurance, the insured person year pay 50 yuan, can make the illness claims ratio from the original insurance reimbursement ratio lower than 6 percentage points, to 6 percentage points higher than the latter. Launched over the past two years, the insurance has reached 610000 people in Jiangyin the number of voluntary insurance, completely overlap with the participants.

"The accumulation of practical enlightened and efficient government and professional organizations, both of which are necessary," said Li Yajie.

The China Insurance Regulatory Commission to suspend the approval 4S shop sells insurance that is transitional measures

Oriental Morning Post 2012-03-28 09:01:26

Last year the insurance agency market to start the widest range, the greatest strength of the rectification work to in recent years, the China Insurance Regulatory Commission recently to the rules, the insurance agency market resorted to heavy.

According to the China Insurance Regulatory Commission yesterday in its official website issued a press release, the China Insurance Regulatory Commission issued a "Notice of suspension of regional insurance agency and part of concurrent business insurance agency market access permission work" (hereinafter referred to as the "notice") file, the file signature date for March 26th. "Notice"Clear suspend regional insurance Proxy Companies and its branch institutions license. In addition, other financial institutions, post all the concurrent business insurance agency qualification approval has been suspended.

Insurance agency into specialized agency and agency industry. From the professional agency, insurance agency industry refers to engaging in their own business at the same time, the Commission according to the underwriter, insurance agency fees charged to the insurer, insurance agents inside the limits of underwriter accredit unit.

According to the interpretation of an industry, regional insurance Proxy Companies and the main business was suspended for concurrent business insurance agency focused on auto insurance, and according to the above provisions, the concern of theAuto 4S shop in the future will no longer receive the Insurance Regulatory Commission approved agents engaged in insurance business.

According to the China Insurance Regulatory Commission a press release at the end of last year, the insurance agency is a disaster insurance agency regulations "".

The 4S store by shock or maximum

The Commission of the new regulations, the most concern is clearly still and insurance related content. Because according to the above provisions, the current automobile 4S stores selling auto insurance mode may gradually withdraw from the market.

Hao Yansu Dean of Central University of Finance and Economics said "insurance, personal judgment, although the China Insurance Regulatory Commission set the tone for the suspension, but similar to 4S stores to do the concurrently industry proxy permissions should not be approved."

As for the current have obtained permission from the 4S store, the Post reporter in Circ website query to the "Interim Measures for the administration of concurrent business insurance agent", "valid certificate" of concurrent business insurance agency license for three years, a concurrent business insurance agent shall two months prior to the expiration date to apply for change of the license.

An insurance business insurance company responsible person also confirmed to the Post reporter, "the 4S stores the concurrently industry proxy auto insurance, the general requirements of main business income reached more than one million, the market of authentic 4S shop can do, the concurrently industry proxy for a period of 3 years, more than to CIRC for subsequent examination and approval."

However, the industry warned, suspended from the provisions of Insurance Regulatory Commission, the China Insurance Regulatory Commission may soon be introduced further provisions, the expected future concurrently industry proxy market access threshold will be greatly improved.

According to the China Insurance Regulatory Commission yesterday issued a special notice "and" relevant interpretation, CIRC relevant departments responsible person, to be involved in the insurance agency business units or individuals may apply for the establishment of the national insurance Proxy Companies, also can build standardized, transparent cooperation relationship with existing agency.

According to an industry source, in fact the concurrently industry proxy institutions need to CIRC regularly examined, therefore, the market for existing concurrent business agency, the China Insurance Regulatory Commission is expected to soon be implemented more strictly in accordance with the provisions of the code.

"Interim measures"

The question now is, CIRC burst a new regulations, will not affect the current insurance market?

In this regard, China Insurance Regulatory Commission said yesterday, to suspend regional insurance agencies and financial institutions, post outside all concurrent business insurance agency market access permits on the market will not be stable and healthy development of the formation of shock. Because "in recent years, access to regional insurance agency and the concurrently industry proxy mechanism and exit has tended to be stable, the existing stock can basically meet the needs of the market".

In fact, the China Insurance Regulatory Commission yesterday issued the detailed explanation of the provisions of the original intention.

China Insurance Regulatory Commission said, it is the inevitable requirement of establishing and perfecting the insurance market access and exit mechanism. Access to the insurance agency market in and out, always follow the market, the rule of law principle, but there are also some problems, mainly as follows: the relevant provisions of more principles, policies inconsistent across scales; agent market subjects of strength is not strong, uneven, directly affects the order and efficiency of the market. Suspension of regional insurance agencies and financial institutions, post outside all concurrent business insurance agency market access work permit, is for the insurance agent market problems, reflecting the relatively concentrated link measures taken.

In addition, the CIRC said, although there some capital strength of strong national insurance Proxy Companies, but regional insurance Proxy Companies still accounted for the vast majority of. The company registered capital is less than 2000000 yuan, the capital strength constraints do not have the ability of selling complex products, small business scale and mainly concentrated in the auto insurance, product homogeneity serious, easily lead to low levels of disorderly competition. On the other hand, the concurrent business insurance agency has more than 19, in addition to more than 13 banks postal agency industry, other nearly 5 institutions are only the motor vehicle insurance.

The China Insurance Regulatory Commission yesterday also stressed, the above measures "is a transitional measure". The China Insurance Regulatory Commission said, will listen to the opinions and suggestions, experience and lessons of the development and regulation of the insurance agency market to sort out the relevant policies and regulations, adjustment and revision, and strive to make the insurance agency market access mechanism more scientific and standard, more in line with the actual China market.

Auto insurance agency

Professional pilot started

According to an analysis of the industry, combined with the CIRC yesterday given next plan, in fact, CIRC is simply to improve the concurrently industry proxy access threshold, to regulate the market.

In the 4S shop will be limited to the sale of insurance as an example, an industry source, some car manufacturers have already begun professional pilot, namely on the flag 4S shop concurrently industry proxy, and some insurance companies signed a sales agent, for pre-sale and after sale service.

"Such as FAW, Volkswagen and other large manufacturers can set their own financial companies, financial institutions to receive the under 4S stores the concurrently industry proxy on the right, a total management system, the establishment of the internal management system related to the insurance agency market concentration, scale, not price war, to avoid the concurrently industry proxy mechanism, fight the enemy separately, vicious price competition intense situation." The source said.

In addition, according to an industry source, the insurance agency market specialization pilot in advance, many insurance Sales Service Co has approved the establishment of. For example,Recently the China Insurance Regulatory Commission approved the establishment of a first automobile insurance Sales Service Co -- Zhejiang Dinghong Automobile Insurance Sales Co. Ltd., Ningbo Jiaochen group Limited by Share Ltd invested 10000000 yuan, the proportion of investment 100%. Including the main business agent for the sale of insurance products, insurance agent charged, and the relevant insurance loss of exploration and settlement of claims.

The industry said, this kind of insurance sales company, mainly for the chaotic response to the insurance agency market problems and the establishment of the. Most of the company by the shareholders of an insurance company initiated the establishment of Proxy Companies, sales variety is more onefold, toward the professional insurance sales direction.

China Insurance Regulatory Commission set new regulations: Auto report within 3 days of filing shall be compulsory

Shanghai Securities News 2012-03-21 08:32:34

The reporter learns 20 days, the China Insurance Regulatory Commission recently issued the "non life insurance company reserves of basic data, assessment and accounting internal control standards", aimed at strengthening the non life insurance reserves management.

According to the "norms", on the implementation of the principle of insurance case report is filed, the insurance company after receiving the report shall timely file the claim information processing system, system should be set up for more than 3 days have not yet filed is automatic and mandatory registration function. Non auto insurance case should be in 15 working days after a report file (unless otherwise specified in the contract).

In no case within a specified date in the motor and non motor insurance cases, the insurance company should estimate assignment by claim system, assigned amount reference history of similar cases in case settled amount or other reasonable statistics.

Reserve, the insurance company to ensure the fulfillment of the future liability as its responsibility of insurance and the extraction of the corresponding capital preparation. Because the evaluation complexity, part of the company's existing reserves is not sufficient, the extraction process of non-standard.

In view of the above situation, "norms" assessment of the whole process management of reserve and sorted, sorting and checking on the basis of data, actuarial model and reserve results information disclosure and other aspects of the detailed provisions.

Peel back the layers of mist, to know how much the car insurance trap

Shanghai Securities News 2012-03-16 11:34:53

With private cars gradually into thousands of households, more and more people are insured juxian. However, the insurance market in the bigger and stronger at the same time, it created some drawbacks and pitfalls.

A "discount" policy, a through selling auto insurance quotes "Li Gui" phone, a Zibianziyan fake car accident ""......The insurance market is full of traps, Maoni countless. Consumers not only be live in a drum, a little inattentive eat yabakui, is more likely to claim without the door, impossible to guard against.

This reporter recently went to the market first, while insurance companies, 4S shop, auto repair factory, as the layers of mist readers through the auto insurance market.

Low discount inside Tibet Maoni

"The telephone car insurance, call thirty percent off, I know." Discovery sampling survey in Shanghai area journalists,With the past few years the prevalence of electrical sales channels, more than 50% of the owners are willing to insure insurance through an electronic marketing channel.

According to the provisions of the CIRC, have the telephone marketing insurance license of insurance company, the insurance pricing in the national "thirty percent off order" basis, further concessions to 15%. This is the main reason of insurance telephone car insurance compared with traditional discount greater. Now there are many private car owners have been used to buy cheap auto insurance by telephone.

However, according to our reporter unannounced visits to the investigation,Low discount telephone car insurance, but also hidden Maoni. "It can give the owner (other than insurance companies) a higher discount, because they conceal some specified terms." The marketing service department staff an insurance company revealed.

The staff in the mouth"Specify the clause", mainly refers to: the designated driver (one or two), designated driving regional (city, province).

Mr. Wu just a few days ago by an insurance company, the telephone for an insurance policy, "I carefully compared with several insurance company phone insurance policy, choose a cheapest." However, to the policy, he found that apart from the compulsory insurance, car insurance, third party liability insurance, there are two terms are not familiar to him, didn't know the policy: the designated driver, designated travel region.

What is the "designated driver", which refers to the owner can specify 1 or 2 drivers in the car, and get the corresponding discount rate. "The specified running area" refers to the driving regional car owners and insurance companies insured vehicle, so as to achieve the purpose of reducing the premium. According to the number of drivers, driving license and driving regional scope, the owner can get every 5% to 10% different discount rates.

"I buy insurance, telephone customer service personnel did not tell me the designated driver and the number of designated travel region of these two elements, so, if I lend it to someone else, or accident in the designated area, Is it right? May not get the compensation?" Mr. Wu finally understand, because his insurance more expensive.

The owner only with cheap price, but ignore the deep trap. For car owners, this agreement is equivalent to limit, planted hidden dangers for the future claims.

Specific problems: such as specified in the policy of "designated driver" of this provision, if a non designated driver insurance accident happens in the vehicle, the designated driver or the insured person to provide information is not true, the insurance company will have the right based on approved a total of reparations, each accident less pay 10% of the loss.

To avoid being "designated", requires the owner in the telephone consultation insurance situation, asked in detail about the conditions and restrictions of discount rate, according to the actual situation, careful selection of special clause.

In addition to the designated driver, designated driving regional of the two clause, some insurance companies offer "techniques electrical sales personnel". Owners should also be careful.

Such as "low to high" price, the more common. This mainly displays in: the insurance company to send SMS or telephone, car owners to offer a relatively attractive price, when the last into a single program, the owner told the actual price but also increase the hundreds of pieces, because the original insurance company will not offer fashion (insurance company paying) included travel tax.

In addition, the reporter also learned from the market,In some two or three line city, the insurance intermediary (4S shop, auto repair factory) channel for insurance, will also meet other such as: excess insurance, insurance and other traps ineffective.

The insurance intermediary often use client "that the insured amount is high security and more reliable" car insurance amount of psychological, far higher than the actual value of the insured automobile for the client, thus illegally obtained high rebate of the insurance companies, the so-called "excess insurance"; and "no effect against" refers to the individual, some insurance companies vehicles and special vehicles made special provisions, such as some insurance companies on individual city field vehicle cannot underwrite pilfer rush to deal with an emergency, such as cover them, it belongs to the invalid insurance.

The telephone car insurance Jingxian copycat version

Purchase insurance insurance through the telephone, is being more and more owners welcome. The rapid development of telephone car insurance market, also let some lawless elements to settle on a piece of "fat".In some areas, appeared "copycat version of" telephone car insurance. Copycats commitment to provide various value-added services for bait, counterfeit formal insurance company personnel, sales of counterfeit telephone car insurance.

Live in Shandong of Mr. Miao, we experienced the copycat telephone car insurance harassment. Mr. Miao insurance expire, received a phone call, the other side is claiming a large insurance company telephone car insurance, saw his car will soon expire, will recommend him telephone auto insurance.

"Insurance can make the minimum to 50 percent off, car loss 5000 yuan of the following is not reported, but the insured before if there's car, no car can directly apply for". So attractive, let Mr. Miao immediately Heartbeat, immediately decided he would telephone auto insurance.

So business personnel quickly to contact him, gave him the policy. A rub until shortly after Mr. Miao, just let this false guarantee slip missed filling. "I go to the insurance company claims, they told me, this policy is not their, is false." Mr. Miao regret.

An insurance company sales staff told reporters, currently on the market of the telephone car insurance "Li Gui", they not only have the policy, but also have the invoice, but these policies and invoices are false, if not professional is very difficult to distinguish.

He reminded the majority of owners, the copycat version of the telephone car insurance marketing, generally through the exaggerated service commitment, reduce the car price means allowing the owners to "voluntarily". For example, they promise besides the regular service commitment, vehicle loss 5000 yuan of the following is not reported directly claim. In the auto insurance prices, some more introduced three to half off cheaper. Under these conditions the temptation, many owners in muddleheaded when.

In addition to these conditions very attractive, "Li Gui" is the use of high-tech means, the telephone number display telephone number similar with some insurance telephone car insurance, many owners of real.

Guangdong Bureau recently disclosed in posing together telephone car insurance case. During the period from 2009 March to 2009 April, a man named Wang Li "Li Gui" Guangzhou through the relationship to the vehicle information, some owners, through technical means to change, software and the like will call a telephone call platform display is 02095512 or 95512, as Chinese Ping An Property Insurance Limited by Share Ltd customer service hotline, call center platform and the owner through telephone contact.

In order to protect the interests of owners, some insurance companies have set up a special anti-counterfeiting team, branch in all parts of the country have set up special personnel to conduct market surveillance. In some areas has been found counterfeit, fake workers have already started to complete the investigation, shall be banned once discovered will be a joint law enforcement departments.

Then, the owners how to judge whether the regular telephone car insurance from the insurance company? In this regard, weapon industry: the best way is toThe owner in the insured must confirm clearly the insurance company insurance Hotline. According to the CIRC provisions, all business telephone car insurance of the company to have a special "pin" service number, and the mainstream media in the sale of "pin" product area announced long-term use. As long as the owner of each big insurance company "pin" number, applicant can avoid direct call hotline.

In addition, the policy can be seen the true and false. False guarantee slip and false invoices at first glance, like normal insurance company. But to get the policy as long as the careful identification can clearly distinguish.

For example, documents the triple whether used white carbonless paper printed and reprinted, light brown anti-counterfeit shading, the upper left corner is printed with "China Insurance Regulatory Commission supervision", "insurance company unified customer service hotline" and other words, the upper right corner is printed with "limit in a province (city, autonomous region) sales" the words, the lower right corner is covered with insurance companies dedicated seal etc.. If not, the owner should refuse to sign.

In addition,In the common 4S shops and auto repair factory, there are also some "Li Gui" behind it.

Mr. Lin has been in a 4S store encountered such "Li Gui". Early last year, Mr. Lin car in the 4S store, a middle-aged man came up with him, claiming to be a large insurance company professional sales staff in the 4S store, for Mr. Lin "for auto insurance", and the price is relatively favourable.

After the 4S shop staff to remind, Mr. Lin knew this person is not the insurance company sales staff, to avoid the deceived.

Auto repair factory manufacturing fraud case

More ridiculous than the telephone car insurance "Li Gui" is, in some areas, from auto repair factory one fake car accident fraud farce is dangerous. Most of the loss of owners until second years of insurance, only to find myself a hole.

"In the garage nearby, not a tree is complete." An insurance company claims department Mr. Yu will this circle joke speak to reporters, mean,Auto repair factory owners will secretly sent maintenance or repair vehicle, driving out hit, hit the corner, in the manufacture of two accidents, earn compensation balance.

"We ever doubted a cooperation for many years auto repair factory, a fraud." Mr. Yu told reporters, the garage to claim insurance compensation total than other auto repair factory, in the course of time, Mr. Yu's insurance companies played a suspicion.

"Most of what we now have is the small fraud cases." Mr. Yu said, such as repair factory owner sent know repair car (or even just maintenance car) insurance buy more fully, it may drive up to the road traffic accidents to defraud the manufacturing, insurance.

In fact, two crash and a crash, expert one eye can see. "So, we suspect, auto repair factory and insurance surveyor prior collusion." Mr. Yu said.

After a survey,Auto repair factory common fraud means, for a small cut small rub vehicle, when the vehicle owner's face, the garage will encourage owners to expand the damaged surface, you can get more the claim amount.

In addition, the garage owner changed back, the scrapping of old parts, after causing parts damaged illusion and loss, earn compensation balance. The accident vehicle without insurance, they may even find the same type of insured car license plate to change, and take the loss.

More complex and serious, is the two accident auto repair factory manufacturing caused by fraud case.

Specific operation method is: the owner of the damaged vehicle into the garage, the garage will let the owner to hand over the driving license, driving license, insurance and identity card. At the same time, they will talk to the owners commitment to repair damaged vehicles parts, not to the owners to collect any repair costs, from auto repair factory claim directly to the insurance company, the insurance company will directly to the indemnity to the auto repair factory accounts.

For graph save trouble, many owners will usually accept this way. But the claim process, without the owner to handle, as did the garage said "can let the owners save time and worry".The owner in the emotion garage considerate "one-stop" services, was unaware, they may have stepped into their pre designed trap.

One industry told reporters insider, auto repair factory manufacturing two incidents, there are generally three kinds of ways.

Traffic accident forged. Generally they will put the two vehicles damaged the car to a junction, falsifies the scene into a collision accident, and then select the night alarm, it was dark, they are often able to quickly obtain the traffic police to produce the accident report.

Make up the accident. If the car's windshield cracked, other parts is not damaged, and the owner and no cover glass insurance, in this case, the insurance company is not the claims. So, in this case, the garage will be pulled into the road, hit the wall, causing damage to the vehicle. And the report that to the insurance company, the car is car damage caused during exercise and the glass broken, because the insurance company claims, is within the scope of.

A car accident. Sent to repair car out really hit, with rich experience in repair workers, can hit "just right", the surface will only battered car, not to hurt the engine and other internal parts.

Terrible is, in a Bibi money into the garage pocket, the owner is unaware of it. Until second years of insurance, when the owners found the insurance premiums rise, will think of insurance companies and advisory prices. Told in the insurance company owner claims last year, just know is auto repair factory set.

Micro site claims, the garage agency investigation to the accident scene, some insurance companies in order to improve the settling speed and quality of service, launched such initiatives, but convenient for customers at the same time, relax the Claims Officer and the garage access.

At the same time,In order to save map, more and more car owners will be entrusted to the auto repair factory car insurance agents and agent claims. Auto repair factory will often claim as their own "a way of earning money," again and again make fraudulent price. Especially in the two or three line of the city area is not standard auto repair factory, this kind of phenomenon is banned repeatedly more than.

The owner in the loss at the same time, the settlement amount of insurance companies is thus surge. "Because the vehicle compensation case particularly frequent claims, and manpower is insufficient, cause the vehicle insurance claims may be loopholes. The company claims at the peak, a day to handle hundreds of vehicle claims, the average adjuster day handle multiple cases, in this case, claims only first pick of major cases to proceed, and for those small claims cases without too much effort, is likely to make the garage drill loopholes." An insurance industry told reporters.

At the moment,For insurance companies, to improve the level of underwriting, thoroughly eliminate fraud behavior auto repair factory, has Time will not wait for me.

WhileFor car owners, should learn two crash prevention automobile repair factory. Understand according to the reporter, at present in addition to high-grade car, insurance companies are generally not on the owners designated repair point. The owners in the choice of auto repair factory,Try to choose a large scale, therefore the ability, good service, repair of higher level normal repair factory of claims, claims and repair. In the repair process, also do not map easily to ID card, all the information just to repair plant.

The different claims by kicking the ball

In fact, the "hidden Maoni" insurance price and ubiquitous terms, claims "trap",The owner felt most was encountered when claims of all kinds of trouble. Originally the accident was extremely upset, and claims, loss process encounters more let owners took many troubles.

The owner Mr. Zhao had been cruelly tortured insurance program. "I to the loss from the report, for about a week." Is the insurance claims process of Mr. Zhao is striking one snag after another.

Mr. Zhao is a well-known enterprises in Shanghai's Hubei region responsible person. "My car and policies are units operate, because the license plate is Shanghai, so insurance is insurance in Shanghai. But I work in Wuhan, so driving regional basic in Hubei province."

At the end of last year, Mr. Zhao's car and other vehicle collision accident, he immediately call the insurance company customer service phone. This is a Shanghai based national insurance company, report the company Wuhan branch two nuclear claims officers to the scene photos. Then inform Mr. Zhao, also need further evaluation, suggests Mr. Zhao first put the car to 4S shop, wait for the insurance company to send, you can remote damage, further evaluation.

Mr. Zhao is in accordance with the insurance company, the car to 4S shop. But for a whole ten days past, further evaluation of Mr. Zhao also not to the insurance company. "During the period, I and 4S shop staff call the insurance company customer service hotline, ask when they come to make further evaluation, they always say, fast fast."

Until Mr. Zhao through certain channels to the complaint to the insurance company headquarters, his car only by the local attention branch. "My car is exactly in the 4S store 'lying' for more than a week."

"Although many insurance companies have put forward different loss, national pay. ButIn particular to the different claims, many insurance companies service quality does exist a lot of problems, often there is the phenomenon of kicking the ball." An insurance company who call a spade a spade.

This is because, on the one hand, the newly established insurance companies, institutions because of fewer, manpower shortage, internal force is relatively weak, customers in different places after the Chuxian difficult, difficult to report loss, repair is difficult, can only return to the procedures for processing claims, not only delayed the insurance company check survey the scene of the time, but also delay the customer damage, repair and receive money time, to bring customers great inconvenience.

Understand according to the reporter, at present, some insurance companies branches are limited, after be or get out of danger can only entrust local insurance Proxy Companies shall go through the relevant formalities. At present, the vast majority of insurance Proxy Companies personnel quality is relatively lower, not to provide professional insurance services, also has responsibility, mutually making excuses, slow, poor attitude. While the local customers can't tell the difference between insurance company and the Proxy Companies, the complaints are recorded in the insurance company account.

On the other hand,Even if is a national network of large insurance companies, realize to compensate is clear responsibility Peian small. If a little incomplete information, responsibility is not clear or damage any objection, the owners will go to many data, provide for claims.

Often hear the owners have encountered such embarrassing: as in the local after be or get out of danger, the local branch of the insurance company that has the surveying data to the provincial branch, for the owner to contact the provincial branch received the answer is already reported to the company, after the company said will have relevant data to the local...... Get the owner. Remote claim settlement process tedious, remarkable.

In this regard, insurance experts appeal to the insurance company, internal business process improvement. Insurance companies in the setting of settlement procedures, because of too much about their business practices and procedures for transfer convenient, in the convenience of customers, simplify procedures, reduce claims cycle and lack of adequate consideration, so that customers can not be fast and efficient service, often because of the delay and the insurance company the cumbersome procedures and settling time conflict.

Auto insurance demonstration of new terms, consumers tired reduce claim

First financial daily Yu Yan 2012-03-15 08:53:23

After the reform of auto insurance rates officially started, the relevant supporting measures will also be introduced. Yesterday, China Insurance Industry Association (hereinafter referred to as "Chinese Pi") issued a formal "commercial auto insurance clauses" (hereinafter referred to as the "provisions"), four main aspects on the adjustment of car damage insurance underwriting and claim methods were revised, reduced consumer and insurance company claim tired communication.

According to the China Insurance Regulatory Commission recently issued "on the strengthening of commercial motor vehicle insurance clauses and premium rate management notice", Chinese Pi is responsible for organizing the formulation of commercial insurance association model clauses, motor vehicle reference depreciation coefficient and vehicle database, calculation of commercial insurance industry reference net loss ratio, make the insurance company claims practice guidelines.

Chinese Insurance Association relevant responsible person said, as an insurance company, commercial insurance in terms of industry standard, "foundation clause" to conduct a comprehensive analysis in terms of the original commercial auto insurance, the hot issue in the commercial insurance, mainly on the four aspects of the revision and perfection.

"Provision" to adjust the vehicle damage insurance underwriting and claims,Clear car damage insurance of the insured amount insured according to the actual value of the insured motor vehicle to determine. If the insured motor vehicle has a total loss, the insurance company to compensate according to the coverage, where there is a partial loss, calculation of damages in the amount in accordance with the actual cost of repair. And in the current operation, car damage insurance of the insured amount is to press the new car to purchase price, one of the actual value of vehicle, consultative value in 3 ways to determine the value of insurance according to the insurance, the local car purchase price determined at the time of the accident, but the amount is determined at the time of the application, in the vehicle market price fluctuations of the situation, the gap between the two will causes over insured or not insured in full phenomenon.

The terms "and" are defined to "subrogation",Because the third party on the insured motor vehicle damage caused by the accident insurance, insurance company can be in coverage in Xianhengpeifu insured, then subrogation insured to third party the right to compensation. Consumers in the case of vehicle insurance after the accident, in addition to the traditional claim form, also can claim directly to the insurance company, thereby eliminating the between and third party communication claim tired.

"Provision" expand the insurance liability, at the same time, less deductible items, delete the controversial original provisions of the "driver's license or certification unqualified failure" liability exemption, replacing the original commercial insurance clause part of the deductible franchise. In addition, the insurance liability, liability of consumers are most concerned about the exemption and compensation processing about perfection, the commercial insurance claims data are simplified.

China Insurance Association relevant responsible person said, after the release of Chinese model clauses, insurance and commercial insurance co reference net loss rate calculation and platform for industry transformation, transformation, the insurance company for underwriting and claim system demonstration document design work, and so,The new car insurance provisions for the formal implementation before the end of the year.

"Cutting" bonus

Twenty-first Century economic report Li Miao 2012-03-30 02:57:13

Following the Midea Group laid off 30000 people last year hit a record A shares of listing Corporation, also shows BYD in a recently released report layoffs of nearly 20000 people, manufacturing all began to cut way to "downsizing" burden, let a person feel the chill, once "the reconstruction of a beautiful" slogan in a million layoffs storm frail.

In fact,Manufacturing enterprises easily in policy stimulus or the concept of speculation in the large-scale expansion of production capacity, to attract people to improve sales performance.Beauty is typical to marketing as the leading enterpriseAt the end of the year, in 2007, Midea air conditioning began pushing sales model and smoothly. Subsequently, the sales companies around the refrigerator, washing machine sales also integrated follow-up. After the sharing of resources, unified platform, the beauty of ice wash business is growing rapidly. Then, the small home appliance business we learn from electrical experience, also promote sales model. But with some peer mode of operation is different, the control of sales of the company's operating power, strengthen the control of terminal. In order to improve performance,Many sales company take "human sea tactics" to recruit sales staff. From the list of network of excellence HR Development Research Institute data, household electrical appliance enterprises keen to adopt a "human sea tactics" marketing channel sales to 31% ratio at home appliance core top position.

In the "driver crowd tactics", beautiful in 2011 reported very beautiful: beauty appliances (000527.SZ) first half results show released in 2011, the first half of last year the United States and the electrical income 62037000000 yuan, grow 58.97% compared to the same period.

Although earnings data is exciting, but does not take into account the blind expansion in the market once the human resource management, cold, in fact, with the continuous effects of the European debt crisis, rising corporate labor, material cost plus, manufacturing as quantity of life orders are also in decline, many small and medium-sized enterprises have been closed phenomenon. In November last year, manufacturing industry has shown a trend decline significantly, Chinese Manufacturing Purchasing Managers Index according to the China Federation of logistics and purchasing released (PMI), manufacturing PMI fell in November last year, and since 2009 for the first time since March, down to 50%, the economic growth slowdown trend evident.

Policy stimulus or the concept of speculation from the macro throughout the industry caused by the excessive release of production capacity in advance before. For the enterprises themselves, have started the transition in the face of a variety of contraction, transition scheme is almost invariably chose the cut that the most direct and simple way,Compared with the effect of enterprise short-term point of view, downsizing is the enterprise pay cost, not perfect relevant domestic labor laws but also to some extent contributed to the company will lay off as the compression cost "killer mace", various because of layoffs caused by labor disputes are mostly not had ended.

Manufacturing enterprises wantonly expansion or slashed human resourcesOverdraft is actually the demographic dividend. For Europe and the United States and other developed countries, not only to face layoffs layoffs staff morale and cohesion of the heart, to face high unemployment insurance costs. TCL in the acquisition of Al Carter, began to shrink and the reorganization of the European business in the three quarter of 2006, in which Europe is cutting more than 400 jobs, the average layoffs cost more than 100000 euros per person, the compensation to TCL chairman Li Dongsheng very sad, also many times with the whole economic environment, legal environment and the differences between foreign China great.

ButIn China, due to the large number of the relatively low cost of labor and the imperfection of relevant law, corporate layoffs compensation costs almost can be ignored, is the so-called "wrought iron barracks, running the soldiers".

In addition to passive layoffs, voluntarily turnover rate of manufacturing industry is not high. Recently launched adfaith's garment industry remuneration report shows "clothing industry in 2011 the employee turnover rate is as high as 26.6%", and it is adfaith commercial data center analyst Hao Bixin introduction, 26.6% this includes active and passive turnover rate data is lower than the manufacturing enterprises in the entire industry, manufacturing industry turnover rate to more than 26.6%,The related benefits mainly caused by the high turnover rate of employees is relatively poor. According to a network of excellence HR Development Research Institute data show that, the main reason of household electrical appliance industry employee turnover is not satisfied with the benefits, with a ratio of 15% and a likely tied first place.

Although layoffs became part of manufacturing enterprises choice, but there are still many companies consider the importance to retain outstanding employees, also began to adjust salary allocation mode. For example, towers Watson recently released "2012 new HR trends" survey results show that, China annual salary adjustment to increase the number of enterprises, many enterprises from an increase of two times, in order to improve the enthusiasm of ordinary employees; for "non periodic salary" budget increases, bonuses for performance excellent staff; more frequently in remuneration comparisons and benchmarking enterprise market, analysis and understanding of the gap between itself and benchmarking. The bank as an example, in 2012 the industry for staff promotion raise volume increased from 2.9% originally total salary budget to 4%.

Manufacturing enterprise employee benefits compared to the above-mentioned enterprises differ very far, it is understood, it was discovered in the United States "layoffs door", "security door" incident also caused the attention inside course of study, Manufacturing Co. Ltd. in Zhongshan city of Guangdong Midea environment appliances (hereinafter referred to as "Nakayama Mi") staff the participation rate is only three as many explosive. Relevant laws according to the provisions of the state, enterprises have to pay social security project as an ordinary worker, roughly the old-age insurance, basic medical insurance (including insurance), unemployment insurance, industrial injury insurance 4, calculated in accordance with the standard of local minimum wage is 1100 yuan per person per month, at least a month to pay 160 yuan; thousands of employees in Zhongshan the nationwide, means that the enterprises should pay the employee from social security costs, every year nearly ten million yuan. But this kind of phenomenon, is common in the Pearl River Delta manufacturing enterprises.

The lack of long-term planning of domestic manufacturing enterprises, with the gradual withdrawal of the demographic dividend, do not know what can continue to consume in order to ensure the enterprise so the "great leap forward" development, and then to cut way to declare their contraction transformation.