In early 1985, Shekou Industrial Zone Personnel were working to deploy long-Yi Zuzu MA Mingzhe, to attend a seminar on the important participants are the United Nations Department of Labor study. At the same meeting, a Labor Department Deputy Director of Shekou Industrial Zone for the implementation of social security funds management put forward his own views, "according to international practice, the money from an independent entity to manage." The wear glasses and gray hair expert detail the benefits of such management. In 1979, Shekou Industrial Zone at the beginning of the establishment, they set about establishing a social security mechanism to require start-up factories in Shekou "capitalists" for each of the "working class" and "female farmer workers" to pay old-age pension, medical care, employer liability insurance, to pay for the proportion of 20% of the cost of labor at the expense of the Shekou Industrial Zone Personnel working on behalf of charge.
Shekou is the prevailing wind of reform to break through. Deputy Director-General of the United Nations labor, and other experts will soon be adopted, China Merchants social insurance signboards hang up quickly. It took over the full Shekou Industrial Zone Personnel work-related functions of social security, "read a pension from the social security unified operation of the company." This distance in 2067, the Chinese city of old-age retirement protection system in Shanghai has taken the first step.
Peace "movement"
Responsible for this specific plan of the MA Mingzhe, a year later by the social security was promoted to assistant manager, deputy general manager, presided over a comprehensive social security company. China's insurance industry, a legend, MA Mingzhe, board of the times to give him a stage. In 1986, the Erlizhinian MA Mingzhe often worry. "Social Security has set up, brought together a large number of industrial areas managed fund, will be used to pay workers a pension, if the event of serious inflation, the money in the bank will certainly be devalued." A few months ago , Social Security has to invest part of the money to plant a tie, a silk factory, several stores and a corporate information technology (2000, in the domestic ERP software market, which accounted for half of the companies). "However, industrial investment, is by no means secure, first, the low rate of return, and the other is the realization of capital poor."
"We can see that Hong Kong's insurance business has done a good job, that in the same industrial park can try."'s Decision to use social security funds on hand, the pot up support kitchen, the original social security in the employer's liability insurance risk into a work-related injuries, This approach began to maintain insurance for commercial insurance. "At that time Shekou atmosphere is what can be said that we can do, you can try." M not hack, the People's Insurance Company of China (hereinafter referred to as "human security") subsidiary, general manager of the Shenzhen Special Economic Zone, but also to monitor the insurance unit -- - People's Bank of China branches in the Shenzhen Special Economic Zone vice president personally went to Shekou. MA Mingzhe responsible for the whole reception from the People's Insurance general manager of the mouth that: "The injury insurance belong to the scope of commercial insurance, social security has no right to operate the company. Based on the" temporary insurance regulations ", is to formally raised the issue with you . "
And more than a decade after the Insurance Regulatory Commission to set up different, at the time of the financial industry-wide regulatory responsibilities in the People's Bank of China. On behalf of the People's Bank of China is monitoring unit, the main operating insurance on behalf of the People's Insurance Company, the general manager of the friendly attitude of the MA Mingzhe to leave. People's Insurance Company of China's Shekou branch of the objection to the book and then. Shekou social insurance at the time of a few soldiers, the Office of the Secretary of Xiu-Li Yang, Huang Jianping, general manager of Business Administration with leaders together to discuss the objection, or that still means: industrial injury insurance is commercial insurance, social insurance can not do insurance business, it is necessary to Have to do to apply for new licenses. The attitude of the People's Insurance, Social Security's Shekou somewhat, but in accordance with the law, occupied the other arguments, also complained that does not help. The key lies in the licenses necessary to run the company down.
Where to start? No "business guide", we were no spectrum. So try a line of the financial sector regulators to talk about, ran a line with the city government to talk about. Toss a few rounds, and engage in a meaning to understand: a single license do not work, it is necessary to set up specialized commercial insurance companies to operate this thing, but the nature of the establishment of the new companies, non-approval of People's Bank of China head office will not do! Wasted Many energy, we understand that out before going to Beijing to resolve the problem, there is inevitably a loss and "unattainable".
From the Qing Dynasty China Merchants ships built in 1986 to play on the day, China Merchants Group, ushered in 100 years birthday. At this point, under the Ministry of Communications, China Merchants Group, based in Hong Kong, Shekou Industrial Zone of this piece of land surrounded by dozens of its investment companies, in the areas of real estate, finance, shipping, tourism and so on, each year for the state to create Hundreds of millions of dollars of profits. Group of Daqing, China Merchant's companies have sent people to attend. At the forum, speakers were enormously proud of his success to look to the future, national interests and historical responsibility of the revitalization of the motherland and prosperity of the people the idea has been mentioned from time to time, 100 years came and the pain and frustrations have not been forgotten. MA Mingzhe one sitting, as the only representative of the Social Security Corporation, and his mind is like, how to set up a commercial insurance company. His turn to speak, he simply referred to the history of China Merchants Insurance Office, Shekou to the end of the social insurance difficulties, said, "That is the case, we can not be like 100 years ago, China Merchants insurance companies to do the same again Let this old industrial area Caoqi industry? "
MA Mingzhe, said the insurance company China Merchants Insurance is a natural. At that time, through continuous investment, insurance has gone through China Merchants Renhe marine insurance companies, fire and water relief, Yan Chai and the change of water and fire insurance. To 1920, "sinking" to the government-run China Merchants difficult position of the ship, the silver deficit of up to 20,000,000 of the two. Yan Chai water and fire insurance companies and most of the funds remain in China Merchants ships, "the nest is overturned, there is an eggs will survive," Yan Chai and the business slowly decline, eventually closed down in October 1934.
MA Mingzhe listen to the finish, the Yuan Geng familiar with the history of China Merchants did not bring up again, he replied: "I do not agree with your point of view."
"I do not agree with your point of view, but I defend your right to speak." Yuan Geng on the faction to do, MA Mingzhe has not been heard. Three years ago in 1983, Shekou Industrial Zone of the masses through direct elections, appraisal Managers, an industrial area in the election of the Board of Directors, Yuan Geng was 15% vote of no confidence did not Xincungaidi. Yuan Geng is not a stubborn person, he just needed more reasons and statements.
On the actual start of the new type of insurance is concerned, if not allow competitors engaged in Shekou social insurance business insurance, Yuan Geng saw no justification to be able to endorse or agree to a new system of the birth of the insurance companies? MA Mingzhe has been the establishment of the company was vague and The future development of a major obstacle to the industry is a monopoly, but China's financial sector entry permit system may be a greater challenge. In the future, the company set up in 1988 years, MA Mingzhe and his team will have to understand these issues more deeply. But at that time, he was just the idea of reporting to the Yuan Geng, let him know.
But until that time, MA Mingzhe alone did not see the Yuan Geng. "Yuan Geng at the time of Shekou, with 'God', while not easy to see." He later recalled. Look for their own things, MA Mingzhe will not give up easily. China Merchants to find his car, deputy general manager of David and asked him to a more detailed report to the Yuan Geng. The report will no longer be "replaced" program, but based on reality, "back for the time being" in order to later be able to "move forward in big strides."
"At that time, to be really hard to see Yuan Dong, David looking for a car Yuan Dong, Yuan Dong and I understand the idea and expressed interest in the car so that I treasure time with the interview, so I have a chance to go face to face Hong Kong Yuan Dong Reporting. "Yuan Geng founded in 1978 in Shekou Industrial Zone, from the imagination to begin only three months, and the beginning of 1986, all by himself safely MA Mingzhe has spent nearly two years, Yuan Geng He did not so glorious fate. However, to maintain and dedication to help his very busy.
Peace, "set sail"
April 21, 1988, the first Ping Lau Kam-chairman of the board of directors to court issued in the name of the first meeting of the notice to inform the rest of the 9 directors on April 28 held its first meeting. MA Mingzhe as China Merchants Shekou, deputy general manager of social insurance is also one of the directors, but his mood is different from others. These days he keeps on hand in the revision of a report prepared on the board read. The beginning of the meeting. MA Mingzhe to report. He recalled the emotion of the establishment of the company, from 1986, intends to set up insurance Shekou community with a commercial insurance company, to Shenzhen to visit dozens of departments to explore the avenue of insurance companies do, after a year from the management "conditions Immature and can not run the commercial insurance business, "dismissed on the ground, much to the twists and turns in the secondary application is still frustrated," into "Zhongnanhai, Beijing and then to turn back time and again agreed to arrange with access to basic until March 1988 by People's Bank of China Head office approved a two-year MA Mingzhe to enumerate the running again. In addition affirmation and his colleagues together into "have the confidence and the unyielding spirit of things," he did not forget to thank all for their support.
You do not have a director who does not know the hardships, does not have the experience, but had a few days ago and handed them to scrutinize the report of the grass-like - the company set up by some hard - they have things more or less To understand. These people stay long in power positions for many years and understand the cause of the difficulty of exploring new, not resistance because of man-made bureaucracy, and sometimes even if officials feel Nian-Ci, want to help arm in the various ministries, authorities introduced a variety of Former Bill will be confused. They looked at the front of the specific services to make arrangements for the thin face, his imagination and his team encountered difficulties, can not help but give a heartfelt recognition and praise.
MA Mingzhe then report on the company's future and plans. He analyzed the Shenzhen markets has reached the conclusion that there are still 75% of the insurance market does not develop, the volume of business to do still more than 7,000,000,000 yuan, to earn a premium of not less than 7 billion potential . He certainly did not forget to potential rivals People's Insurance Company of strength, and to learn from their successful experiences, the development of flexible and diverse insurance provisions. Finally, he mentioned the "three Planning" - 3 in the early years, the city set up in Shenzhen Branch 3, 20 to 30 offices and 50 agents, all-round business; the medium-term 3 to 5 years, 4 in China A special economic zone, Hainan Province, 14 coastal cities and the establishment of the Hong Kong branch offices and agents, operating outside the dangerous mission of all types; the latter part of 5 to 8 years, the basic set up branch offices nationwide, and the Office of the Deputy , Operating all types of insurance.
The end of 1988, the only safe computer 3 in addition to a ration with the Chief, two of the remaining time of admission to the 1144 total business, the company received a total of 5,960,000 yuan of premiums, sales are still set up in Shenzhen Agent 84, 44 of them in Shenzhen, Shekou in 19, 7 in the South first, Baoan county have the following layout of the township has 14 points. Bank of China, Construction Bank, Agricultural Bank of China, China Merchants Bank, Shenzhen Development Bank and some foreign banks are safe for the development of the agency. These agency to pull the 66% of the business.
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