Liu run's decentralized insurance

1. What's gongxinbao? I don't know once about decentralized data trading. Go ahead. Good luck.

2. To answer this question, let's first introce the core technology of blockchain and the current insurance instry<

Introction to the core technology of blockchain
blockchain mainly solves the trust and security problems of transactions, so it proposes four technological innovations to solve this problem:
the first one is called distributed ledger, which is that transaction bookkeeping is completed by multiple nodes distributed in different places, and each node records complete accounts, Therefore, they can participate in the supervision of the legitimacy of the transaction, but also can jointly testify for them. Different from the traditional centralized accounting scheme, no single node can record accounts separately, so as to avoid the possibility that a single bookkeeper is controlled or bribed to record false accounts. On the other hand, because there are enough accounting nodes, in theory, unless all nodes are destroyed, the accounts will not be lost, thus ensuring the security of the account data
the second is called symmetric encryption and authorization technology. The transaction information stored on the blockchain is public, but the account identity information is highly encrypted, which can only be accessed under the authorization of the data owner, thus ensuring the data security and personal privacy
the third mechanism is called consensus mechanism, which is how to reach a consensus among all accounting nodes to determine the validity of a record. This is not only a means of identification, but also a means of preventing tampering. Blockchain proposes four different consensus mechanisms, which are suitable for different application scenarios and achieve a balance between efficiency and security. Taking bitcoin as an example, the workload proof is adopted. Only when more than 51% of the accounting nodes in the whole network are controlled can a nonexistent record be forged. When there are enough nodes to join the blockchain, this is basically impossible, thus eliminating the possibility of fraud
the fourth technical feature is called smart contract, which is based on these trusted and tamperable data and can automatically execute some pre-defined rules and terms. Take insurance as an example. If everyone's information (including medical information and risk occurrence information) is true and reliable, it is easy to carry out automatic claim settlement in some standardized insurance procts<

risk management of policyholders
in the current insurance business, disputes between insurance companies and policyholders occur from time to time, either the policyholders provide false personal information to defraud insurance, or there are differences in the determination of exemption clauses when settling claims. The key to these problems lies in the lack of a real and reliable data collection and storage means for the personal information of the insured
with the advancement of national systematic projects such as medical information digitization and personal credit system, more and more authoritative data sources appear. If these data can be introced and stored on the blockchain, it will become the digital identity of everyone. The data above is authentic, can't be tampered with, real-time synchronization and life-long validity, It will bring great benefits to the risk management of the insured
the first is to get through the data between different companies and refer to each other, so as to discover the information of repeated insurance and historical claims in time, and discover high-risk users in time
secondly, introcing data from different instries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. For example, if you can query all the medical records of the insured, even the medical records of the immediate family members, on the blockchain, you will have first-hand information about the current physical condition, disease history and family history of the insured, effectively eliminating the insurance with diseases
for example, at present, China's first network mutual aid platform using blockchain technology as the core is concentric mutual aid. On the basis of traditional mutual aid platform, with the help of blockchain technology, it realizes decentralized information sharing, innovates and realizes comprehensive and transparent operation, and builds a fair, just, open, safe and efficient open mutual aid information service platform for the public.

3. In July 2015, radar entered the virtual money market with a new attitude and quickly attracted many eyes. Looking back on the development of radar in recent months, it is full of twists and turns, and has been in the cycle of problems and solutions. No matter what difficulties we encounter, radar has not collapsed in front of people, and its strong vitality is determined by its value. Today's radars don't shine, but their value doesn't disappear
I believe many investors are full of confidence in whether the future value of radar can be reflected, because the power of science and technology is irresistible, and the height of radar's technological and theoretical innovation and practice is beyond the reach of any currency in the past. Radar explains a new concept of currency. Its emergence and rapid popularity is not accidental, nor is it just a game. In the real world, many countries have high inflation, and radar can protect users' wealth from inflation; Its transaction cost is almost zero, there is no control, anonymous, as a pure digital proct is very convenient to use; Because of its decentralization, it is difficult for the government to ban it. What is the value of radar in the future? As the use of radar becomes more and more popular, it will change many people's concept of money. In addition to the government, there is a new kind of credit that can be used to measure their own value. Just as the Internet has changed people's values and made them diversified, the greatest significance of the birth of radar is to innovate people's outlook on wealth. Radar will be a proct of improving the efficiency of asset flow around the world and recing costs. Its anonymity and independence from central control are symbols of freedom. It is also the place that fascinates users most. It is especially suitable for today. With the development of economy, people's respect for freedom is becoming increasingly strong. Of course, in the process of radar becoming a common currency, we need to strengthen supervision, establish rules, purify the radar market, and keep crime and money laundering away from radar. Only in this way can radar go further. So radar is a new expression of the concept of money in the Internet era
however, there is still a huge work to be done to ensure its future value. The first is to keep the radar usage up with the release speed. If it's just a distribution and there's no place to use it, then radar is also worthless, so the application and distribution should be synchronized. The technology development and related operating companies of radar should focus on making the transaction of radar an irresistible or inevitable new thing, making it a habit for the public to use radar, and creating conditions for the wide use of radar, just like we are now listening to iPods or shopping on Amazon. At that time, government and bank funds will be replaced by the Internet, which will give people more choices as the music and publishing instry experienced 15 years ago. Rome wasn't built in a day. It's a huge project, but it has great significance
when peripheral applications and transactions become an irreversible situation, radar will be considered successful and its value will have a foundation. Radar itself has a strong technical background and spiritual core. It is a combination of freedom spirit and creativity. There is still much room for such a creative combination. Let's wait and see!

4. The existing financial risk analysis index system mainly includes three aspects: short-term solvency analysis, long-term solvency analysis and profitability analysis. Short term solvency index mainly includes current ratio, quick ratio, inventory turnover rate and accounts receivable turnover rate. This kind of index focuses on revealing the adaptability of current assets and current liabilities, reflecting the strength of liquidity of current assets and preventing the deterioration of short-term solvency. Long term solvency index mainly includes asset liability ratio, debt operation ratio and interest earning multiple. The analysis of long-term solvency is to evaluate the ability of an enterprise to repay its debt principal and interest. Enterprise profitability index can indirectly reveal the size of enterprise financial risk. Generally speaking, the stronger the enterprise's profitability, the smaller the financial risk; On the contrary, the greater the financial risk. The indexes reflecting the profitability of an enterprise include net profit rate of assets, net profit rate of sales and cost profit rate. In my opinion, only these analysis indicators are not enough, we must increase financial indicators, improve the existing financial analysis index system, and effectively avoid financial risks.

5. It's not reliable.... Yes, there are weekends and so on.. It's just that. After you go in, you will be a salesman.... Every month you have to pull three or four people into the company, or you will face the risk of money dection.

6. Insurance companies recruit three kinds of posts, to see which one you belong to, please take your seat according to the number

1. Insurance agents are commonly known as insurance sellers. At present, there are more than 7 million such people in China. By 2020, the number of agents will exceed 10 million, and the insurance market will be saturated! Why can it increase so fast? Because the insurance company is recruiting every day for 365 days, there is no bottom line. It is almost zero threshold to enter the insurance company. It is said that it is a college degree or above. In fact, you can enter if you want to enter. The training exam is just reciting the answers to multiple-choice questions
this position is not directly recruited by the insurance company, but by the insurance agent. It is commonly known as accepting apprentices and pulling people's heads (pyramid scheme, apprentice billing and pyramid Commission). Why recruit so many people? Because the contract with the insurance company is an agency contract, and the insurance company has the responsibility to pay the basic salary (the insurance company will not give a dime if it doesn't issue a bill, and only when it issues a bill, can it have the basic salary). However, the recruitment of agents generally does not tell the interviewers that they are selling insurance. Instead, they throw out gimmicks: reserve cadres, senior directors, insurance financial consultants, after-sales service of insurance policies, community service of insurance policies, office assistants, etc. that is to say, they are not selling insurance. They can be regarded as cheating and malicious concealment
2. Insurance internal service
is generally recruited by the internal service of insurance companies to provide post service. This is a signed labor contract with basic salary
however, this requirement is very high. With a bachelor's degree and temperament (handsome and beautiful), it is basically impossible for you to achieve your ecation level. The internal work requires strong learning ability. In order to maintain the normal internal operation of the insurance company, connect with the insurance company, insurance agent, customer, insurance leader and finance, and you can only be an agent! Generally, they will encourage you to be an agent in the field, saying that young people need to work hard and challenge more. Internal work is a profession without challenges, and it is not suitable for young people like Mi to do it. Moreover, the insurance company is still recing the internal work and transferring the internal work to the field (the purpose of the company is to rece the cost. It's better for one internal work to do the work of two people, and then increase the salary of this person by 50-70%, so as to rece the cost! The insurance company's income is much greater than that of the in-house staff. Choose two in-house staff, turn off the unprofessional staff, go to the field, and increase the salary of the professional staff. Do you think the professional staff are very satisfied
3. Senior director's personal assistant / manager, director's assistant
the agent with high income has basically reached the director's level. In order to save time, he will ask the personal assistant to make a call, commonly known as the operator. The director will give you a list to call. If you want to know about the insurance, tell him that if he signs successfully, he will give you a little Commission. If not, he will give you a little base salary. There will be a base salary, but the money is privately paid, which has nothing to do with the insurance company. That is to say, it has no legal effect. If the base salary is paid more or less, it depends on his face. If it's not paid to you, you can't help it. Generally, the basic salary is very low, but because of his reputation, he will pay it, sometimes it will take a long time
as the manager director, the insurance company will arrange an assistant post to assign to them. This assistant is relatively reliable, and basically the salary is paid (there is a base salary, but no commission, the Commission is paid by indivials, and the base salary is relatively stable, about 3000-3500). But how many managers and directors can there be in a branch? In total, there are only a dozen. Can it be easy to compete for assistant positions? It's usually done by women with temperament. They will tell you: Assistant clerks have no future, young men are full of vigor and vitality, and they should go out and wander. Today's young people are very good. It's not a dream to have a monthly income of 10000. Then they ask you to train and sell insurance. The trainer will tell you the 10:5:3:1 law of large numbers, collect 2 valid customers a day, 60 lists a month, and visit them one by one. 60 / 19 = 3, Can open 3 single, monthly income exceeds ten thousand! If there is such a good thing, insurance companies will not recruit every day for 365 days. There are more than 300 insurance sellers trained every week. The situation of major insurance companies is different. They are not targeted at an insurance company, but that's about it<
Why do insurance companies look for people every day? Because of the agent, the agent is not only an agent, there is a great probability to become the insurance company's customers
you can go in for training, and the training teacher will brainwash you:
1. Insurance is needed by everyone. It's so sunny and useful. If you don't buy insurance now, you will have no money to cure your illness later. Regret it
in order to work at the end of the month, the master asked the apprentice to write a bill for himself (the first two months must be paid!)
2. How good are your insurance company's signboards and popular procts, so you should buy insurance
also pave the way for you to buy insurance
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conclusion: you are here to make money, not to be a customer to buy insurance yourself! 300 people are recruited to train every week. In name, they sell insurance. In fact, they have to buy their own insurance. About 100 training fees should be paid for training, and about 500 deposit should be paid for work. The insurance companies are similar