金盛人寿保险有限公司

二○○一年概况

金盛人寿保险有限公司（AXA-Minmetals Assurance Company Limited，以下简称“公司”）由安盛集团和五矿集团合资组建，于19xx年正式成立，是中国第一家中法合资的保险公司，亦是中国保险监督管理委员会成立后批准的首家寿险公司。20xx年，金盛人寿保险有限公司秉承“承诺发展，贡献中国”的思想，本着“胸怀全局，本地经营”的理念，取得了卓越的成绩。

公司自开业以来一直积极发展本地业务，为客户提供包括寿险、养老险、健康险、意外险等险种在内的最完善的保险计划，既包括传统保险产品，也拥有分红产品。其中“盛世佳人”女性保险产品在上市不久后，便获得了上海市妇联颁发的“女性喜爱产品”称号。20xx年，销售业绩骄人的“盛世家族”分红系列产品又添新丁，“盛世延年”养老年金分红保险和“盛世顺意”两全保险先后推向市场。此次产品开发针对现行市场利率较低，医疗制度改革以及养老保障制度改革等情况，专门为上海市民度身设计，其中“盛世顺意”分红型险种，更是集储蓄保障和投资分红等多重功能于一体，可以同时满足市民投资、储蓄、保障等多种需求。 至此，公司基本完成分红产品的市场细分。

“以人为本”是金盛人寿保险有限公司的整体理念，公司使每一位员工、代理人的价值得到全面体现。作为一家朝气蓬勃的寿险公司，积极选聘高素质的员工及销售人员，创造有利的工作环境，制定最好的培训计划，进行专业人才的培养。20xx年8月，安盛集团与澳大利亚墨尔本理工大学合作，向其销售人员推出了一项具有突破性的教育培训课程PEAK，通过参加该课程，可以获得国际认可的大学文凭。该项课程主要是为了提高保险从业人员的专业技能和服务质量，使金盛人寿的服务真正有别于其他保险公司。公司的销售人员都将有机会参加上述培训计划，以提高他们的专业技能。

公司开业两年来，积极响应安盛集团为期三年的优质服务运动，借鉴安盛集团全球经营的优势，调整自身业务发展，尽心为客户提供优质服务。20xx年，公司对网站结构进行了

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调整，丰富了公司简介、产品介绍、客户服务、代理人等栏目的内容，加强了网站的沟通功能。同时，公司举办了各式各样的俱乐部，不断以完善新颖的服务，丰富多彩的活动增加产品的附加值。除公司与工商银行联手推出的“牡丹-金盛联名贷记卡”之外，公司还推出了全球援助卡，使所有的客户随时都能得到公司的服务，让客户享有最美好的生活。公司全体员工的所有努力都充分体现了以“关心、支持、高效”为核心的服务精神。

回报社会，关心社会福利事业。自开业以来，公司一贯积极致力于公益慈善事业与公共宣传活动，通过全体员工的努力使公司成为具有社会责任感的“企业公民”。20xx年，公司为残疾人奉献出一片爱心，也为上海市儿童福利院的孤儿和奉贤养老院的老人们送去了温暖和关怀。公司还积极参与“保险宣传日”和“第二届上海国际保险展览会及保险国际论坛”，提高市民的保险意识,为整个保险业树立良好的公众形象。

凭借安盛集团的战略眼光和卓越成就，借鉴五矿集团的不断开拓和创新求实的精神，金盛人寿保险有限公司取得了十分显著的成长。20xx年9月，中国保险监督管理委员会批准金盛人寿保险有限公司在已开放城市筹建一家支公司。20xx年1月，公司委托世界知名调研公司——盖洛普咨询公司对上海市场各保险品牌进行了研究。研究结果显示，金盛人寿保险有限公司以良好的品牌形象、高素质的代理人和高质量的客户服务受到本地市民的信赖。

展望未来，公司对上海乃至未来在全中国的业务发展充满信心。中国加入WTO后，公司将致力于在中国长期发展的战略计划，一如既往地贯彻品牌策略；同时以符合国际标准的经营管理模式建立强有力的商业平台，满足国际化市场竞争的需求；以市场为导向，丰富公司保险品种,以满足不断变化的市场需求；以先进技术与管理手段完善客户服务系统，为本地市民提供准确、高效、优质的全方位服务。金盛人寿保险有限公司将以上海为中心，配合中国开放保险市场的步伐，尽心尽力为发展中的中国保险业贡献力量。

An Outline of AXA-Minmetals Assurance Co., Ltd. in 2001

Established in 1999, AXA-Minmetals Assurance Company Limited, a joint venture of AXA Group and Minmetals Group, is the first Sino-French insurance company in China and also the first life insurer to be approved by China Insurance Regulatory Commission after it was established. With the concept of “commitment to development and contribution to China” in mind, AXA-Minmetals Assurance Company Limited has achieved sound performance in 2001.

Since commencement of operations, AXA-Minmetals has been actively developing its business and designing products tailored to meet the needs of the Chinese market. The “Smart Lady” product was voted as “Women’s Favorite Product” by Shanghai Women’s Association shortly after its launch. In 2001, Par Annuity and Par Whole life 306 were launched, which were designed especially for Shanghai inhabitants, taking into account the factors of low interest rate, medical system and social pension system reform in Shanghai. Par Whole Life 306 was designed particularly to meet different needs of Shanghai inhabitants, with both the traditional saving function and new participating function as well. Thus far, AXA-Minmetals has completed participating product range.

AXA-Minmetals’ overall philosophy is to value people, ie: customers, sales force, staff, etc., as key assets. As a flourishing life insurance company, AXA-Minmetals aims to build an environment, which is highly conducive to the attraction, recruitment and retention of quality staff and sales force. Particular emphasis is placed on providing the best possible training programs for people development. In August 2001, the AXA Group introduced a revolutionary education program called PEAK for its sales associates across the Asia Pacific region. This initiative is aimed at enhancing the quality of advice given to customers and clearly differentiates AXA-Minmetals from its competitors. The sales force of AXA-Minmetals can certainly look forward to participating in the above program to lift their professionalism.

Since its business commencement two years ago, AXA-Minmetals takes an active part in “ You & Us” campaign, a three-year activity initiated by AXA Group. Utilizing the AXA group’s global expertise in servicing its customers, AXA-Minmetals tailors its business processes to achieve best practice in delivering quality service to its customers. In 2001, AXA-Minmetals made some adaptation on its corporate web site to improve the function of communication with the adding of company profile, product introduction, customer service and

agent club, etc. It has also established various customer clubs to enhance the values of insurance products by means of the perfect customer service. Besides the issue of “AXA-Minmetals Peony Card,” AXA-Minmetals issued the Assistant Card to make our service available to the customers at any time and help our clients to get the best out of life. All these efforts from the staffs have testified its service of “Care, Support, Efficiency.”

AXA-Minmetals has been warm-hearted in charity affairs and public propaganda since its commencement. It holds “corporate citizen” as the example for all staffs. In 2001, AXA-Minmetals made donation to the disabled people and also contributed its help to the Shanghai Orphanage and Fengxian Old People House. Taking an active part in the “Insurance Day” and “The Second Shanghai International Insurance Exposition and Forum”, AXA-Minmetals enhanced the citizen’s sense of insurance and established a social image for the whole insurance industry.

With the far-sightedness and great achievements of AXA Group as well as the innovativeness and creativeness of Minmetals Group, AXA-Minmetals has transferred its expertise to the local insurance market. In September 2001, AXA-Minmetals was granted a sub-license by China Insurance Regulatory Commission to start preparing the establishment of a sub-branch company in one of the cities opened to foreign insurers. According to the result of AXA Brand Study conducted by Gallup in January 2002, AXA-Minmetals wins confidence of local people by high quality of its brand image, agents and customer service.

AXA-Minmetals views the life insurance industry in China as one with tremendous potential. On China’s entry to WTO, AXA-Minmetals will tailor its long-term strategy to adapt the environment of the new era. It will sustain strong branding strategy and set up world-level business platform to face the competition of international market. Meanwhile, the synergy of the AXA Group’s global operation system with flexibility and customization will be carried out as well as extensive product range to meet the increasing demand of the local citizens. AXA-Minmetals will also upgrade service system to approach the needs of customers. It will use Shanghai as its base for future expansion in accordance with the liberalization of the Chinese insurance market. AXA-Minmetals is looking forward to continuing its efforts in making a significant contribution to the development of the insurance industry in China.

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金盛人寿保险有限公司资产负债表与损益表

BALANCE SHEET AND LOSS & PROFIT SHEET OF AXA－MINMETALS ASSURANCE COMPANY, LTD.

（20xx年12月31日 货币单位：人民币百万元）

资产负债表 损益表

项目 20xx年 20xx年 资产

现金及银行存款 74 82 贷款

减：贷款呆帐准备

投资 42 18 减：投资风险准备 存出保证金 40 40 应收保费 2 1 应收款项 6 3 减：坏帐准备 保户借款 预付赔款

固定资产 6 7 其它资产 15 44 资产总额 185 195 负 债

未到期责任准备金 3 2 人身险责任准备金 40 10 未决赔款准备金 存入分保准备金 保户储金

应付分保帐款 1 其他应付帐款 31 37 其他负债 19 13 负债合计 94 62 所有者权益

实收资本 200 200 资本公积 盈余公积 保险保障基金

未分配利润 -109 -67 所有者权益合计 91 133 负债及所有者权益 185 195

加：以前年度损益调整

利润总额 -42 -41 减：所得税

净利润 -42 -41

项目 20xx年 20xx年 收入项目

保费收入 64 30 分保业务收入

其他业务收入 5 7 转回未到期责任准备金 2 转回人身险责任准备金 10 1 转回未决赔款准备金

支出项目

赔款支出 1 退保金及给付 1 分保业务支出 3 2 手续费支出

费用及其他支出 79 67 提存未到期责任准备金 3 2 提存人身险责任准备金 37 9 提存长期责任准备金 3 1 提存未决赔款准备金 提存保险保障基金

营业税金及附加 1 0 营业利润 -47 -43 加：投资收益 5 2 营业外收入 减：营业外支出

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