Traditional Culture Encyclopedia - Travel guide - How did the beautiful insurance executive who took away 500 million "succeed"?
How did the beautiful insurance executive who took away 500 million "succeed"?
As a beautiful born in the 1980s, Chen Yi plays the role of frailty just right, making men feel pity and preventing women from being jealous. With such a decent boss commanding the company, it is only natural that Fanxin Insurance will take the top spot in Shanghai’s insurance intermediary industry. Until this time, Chen Yi invested 500 million yuan, traveled across the ocean, and continued to live an elegant life in Canada. My friends just feel that they need to be restrained recently to avoid the limelight. Able to create brilliance in a short period of time and become the envy of his peers, Mr. Chen certainly has a unique trump card - to make all employees white and beautiful, so that when customers see them, they will feel inferior. Doing business doesn't depend on what you sell, but on who you sit with. If you want to sell products to high-end customers, you must first build yourself into a high-end person, and maybe you can sell yourself out along the way. Otherwise, why do so many Babas go to China Europe Business School? Regarding these details of aristocratic life, Mr. Chen is the best. She is hands-on with everything, and has made detailed requirements for the company's management clothing and cars, and all high-end areas Managers wear first-tier international brands, all middle-level and above cadres own BMW and other famous brand cars, they organize four overseas trips a year, they don’t suck the gravy from the steamed dumplings too loudly, they don’t put sugar in their coffee, etc. With this kind of net worth, if I go to your place to sell insurance, oh, do you think highly of you? As an elite industry, Mr. Chen is of course strict in recruiting, and would rather lack than overwhelm. Fanxin's recruitment principle is "not to recruit peers, only to recruit blank slates" (someone asked whether to recruit Yaoji, but Mr. Chen sternly dismissed him). Mr. Chen discovered that after recruiting “whiteboards”, he could instill awesome concepts in them from the beginning and train them into high-end sales talents. Who are they specifically?——Beautiful women. Birds of a feather flock together, and as a senior beauty, Mr. Chen certainly knows the usefulness of this resource. Of course, there are some people who are stupid and not interested in beautiful women; or they just like them and they are not ranked among them, but the smart Mr. Chen has his own clever plan to deal with them. ——She innovatively developed a Ponzi scheme, packaging insurance policies into financial products and promising customers a rate of return, a business model known in the industry as "regular payment instead of single payment". The insurance intermediary transformed the insurance company's original regular payment product (premium payment in installments) into a "financial management product" that pays the principal in one lump sum. When insurance intermediaries face insurance companies, they pay premiums in installments, but when customers face insurance intermediaries, they pay them in single installments, that is, one-time payments. The difference in fees gives insurance intermediaries room to operate. Don't look at our Mr. Chen's expression of pity, but he has actually gone further. Fanxin Insurance charges insurance companies higher commissions on initial premiums to provide consumers with additional benefits to attract more new policy sales, or to purchase new policies in the customer's name. Unfortunately, God is always balancing everything. After all, no tree can grow to the sky. No, Mr. Chen has also encountered this problem: the commission ratio for renewal premiums is much lower than the commission for first-term premiums. When customer resources are exhausted, if Fanxin is unable to continue paying renewal premiums, there will be problems in the capital chain. , the game of seven pots and three lids is about to start. Although it was a bit unethical for Mr. Chen to leave everyone to go on his own, the few people who were dumped were not necessarily very responsible. As soon as the matter was over, some insurance companies belatedly came out and complained, saying that they were victims, completely forgetting the previous praise for Mr. Chen, saying that the Fanxin model "is a market practice worth looking forward to." , and so on.
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