新常态经济下的风险管理Risk Management In New Normal Economy戎红钢Philip Rong
副总经理中怡保险经纪有限责任公司Aon-COFCO Insurance Brokers Co., Ltd.
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内容提要 Agenda
新常态经济下的风险特征Risk Characteristics in New Normal Economy1
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汽车行业的主要风险及解决方案Risks & Solutions for Automotive Industry
中怡/怡安简介Aon-COFCO / Aon Introduction
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新常态经济的特点Characteristics of New Normal Economy
“新常态”意味着中国经济已经进入了一个与过去的高速增长模式不同的新阶段。这是一个更具可持续性的新趋势,也是具有更高效率和更低成本的中高速发展模式。The “new normal” means the Chinese economy has entered a new phase different from the high-speed growth pattern exhibited in the past. It is a new trend that features more sustainable, mid- to high-speed growth with higher efficiency and lower costs.
中高速增长率 Mid- to high-rate growth 7%-8% 结构升级 Structure upgraded 经济结构调整 Economy restructuring 新引擎 New engines 创新驱动模式 Innovation-driven model
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经济增速放缓
商品价格风险
创新失败/无法满足客户需求
营运中断
竞争加剧
配送/供应链失败
监管和立法变更
汇率波动
全球化
未能吸引及留住人才
来源:2014怡安风险管理大调查
新常态下企业的主要风险Key Risks of Enterprises in New Normal Economy
Economic slowdown
Commodity price risk
Failure to innovate and meet customer needs
Business interruption
Increased competition
Distribution or supply chain failure
Regulatory and legislative changes
Exchange rate fluctuation
Globalization
Failure to attract and retain talent
Source: Aon Global Risk Survey 2014
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中国汽车行业发展趋势Trends in Chinese Automotive Market
2008年以来全球最大的汽车生产国Largest globally when measured by automobile unit production since 2008
中国产量超过了欧盟,也超过了美国和日本的总和China exceeds the production of the European Union, or that of the United States and Japan combined
其中44.3%为本土品牌,其余均为外资合资汽车制造商Of the automobiles produced, 44.3% were local brands. The rest were produced by joint ventures with foreign car makers
大部分的车辆在中国国内消化,2011年出口达到了814,300辆Most of the cars manufactured in China are sold within China, exports reached 814,300 units in 2011
亚洲 (尤其中国)汽车市场呈现出巨大增长机会The Asian (specifically China) auto market represents the greatest opportunity for growth
开始在能源汽车及配套设备上投资Investment in Energy Saving Vehicles and related infrastructure
国际品牌制造依然是中国市场的主体(占市场份额的57% ,其余为本土品牌)International OEMs still dominate the Chinese automotive whole-body market (57% International to 43% Chinese)
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汽车行业关键风险Key Risks of Automotive Industry
营业中断Business
interruptions
产品责任事故以及产品召回
Volatile product liability and
product recall verdicts
供应链中断Supply chain disruptions
环境污染Environmental
pollution
工厂建设风险Plant closings or
openings
火灾、水灾和地震下的财产损失
Exposure to catastrophic property losses involving fire, flood, earthquakes,
etc.
生产过剩或供应不足Overcapacity and margin
pressure
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整车制造企业外部环境分析Environment Analysis for OEM
2013年汽车市场达到了10% 的增长21 Mio sales and over 10% increase of vehicles in the market in China for 2013
由于空气污染和油气涨价导致新能源汽车的快速发展Renewable Energy Vehicles are developing fast because of air pollution & high gas prices
汽车金融将维持每年30%的增长The auto finance industry will maintain a 30% increase year by year
汽车制造商成本的控制将导致空前的竞争Cost control pressure from car makers may lead to fierce competition
保险及风险管理机构缺乏对整车行业的深刻理解和专业知识Insurance companies and risk management institutions are lack of deep understanding and technical knowledge of the auto industry
费率不够坚挺P&C rate is very soft
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汽车生产四大工艺的关键风险Key Risks in Auto Manufacturing
• 液压机Hydraulic Press
• 作业环境不良Poor Operation Environment
• 电路故障Circuit Fault
• 可燃易爆液体Flammable Fuel & Paints
• 塑料桶Plastic Bucket
• 油布Rag with oil
• 调漆区域Paint Minxing
• 存储区域Storage Zone
• 连锁喷头Spray Booth
• 加油站Fuel Filling Station
• 轮胎测试Tires Test
• 补漆室Paint Touch Room
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汽车生产四大工艺的风险控制方法Risks Control in Auto Manufacturing
• Spray Booth Safety interlock
matrix Ventilation –
Negative Pressure
Double protection system
Detection/alarm Protection
system Testing Sprinkler
Protection within Ventilation Exhaust
• Fuel Filling Station Low Level
Ventilation including Pits
Flammable Gas Detector
Grounding and Bonding for Dispensing
Quick Connection
Alarm SSOV for
fuel Pipe
• Roll Test & Paint Touch RoomSprinkler Protection in Ventilation ExhaustRated Electrical Equipment in Paint Touch RoomSprinkler Protection for in Cutoff RoomGas DetectorIgnition Source Control
• 内勤管理Housekeeping
• 液压机安全联锁Sprinkler Protection
• 内勤管理Safety Interlock of Hydraulic Press
• 自动喷淋保护Housekeeping
• Paint Mixing and Storage Area Low Level
Ventilation Drainage and
Containment Grounding and
Bonding Damage Limiting
Construction Flammable Gas
Detector SSOV Human Element
Management
• 调漆和储存区域 低位通风 排污和围堰 等电位连接及接地 泄爆 气体浓度探测 安全切断阀 人为因素管理
• 喷头 安全连锁矩阵 通风-负压力 双重保护系统 检测/警报 保护系统测试 通风系统内洒水
保护
• 加油站 低位通风(包
括维修区) 气体浓度探测 等电位连接及
接地 快速接头 警报 输油管安全切
断阀
• 轮胎测试和补漆室 通风系统内喷
淋保护 补漆室内防爆
电气 隔离室洒水保
护 气体浓度探测 火源控制
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整车制造业的风险管理服务Risk Management of OEM
物质损失风险Physical Loss
财务风险Financial Risk
法律风险Legal Risk
其他Others
• 财产一切险Property All Risks Insurance
• 机器损坏保险Machinery Breakdown Insurance
• 建筑安装工程一切险Contractors All Risks Insurance
• 货物运输保险(商品车和零部件)Cargo Insurance ( commercial vehicle & auto parts)
• 机动车辆保险Motor Vehicle Insurance
风险管理解决方案
Risk Management
Solution
• 营业中断保险
Business Interruption Insurance
• 连带营业中断保障
Business Continuity Plan
• 预期利润损失保险
Expected Profit Loss Insurance
• 商业综合责任保险
Commercial General Liability• 产品召回保险
Product Recall Insurance• 雇主责任保险
Employer Liability Insurance• 环境污染责任保险
Environment Indemnity Insurance• 董事及高管责任保险
D&O insurance
• 员工福利计划
Employees Benefit Plan
• 供应商保险计划
Suppliers insurance plan
• 延长保修责任保险(延保)
The extended warranty liability
insurance
• 风险管控及索赔管理
Risk Control and Claim Management
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中国汽车零部件企业外部环境分析Environment Analysis for Chinese Auto Parts Industry
由于汽车行业的蓬勃发展,大量的汽车零部件供应商应运而生A lot of auto parts suppliers appear in the trend of auto industry development
汽车零配件直接出口美加地区时几乎都会受到产品责任保险的要求Auto parts exported to US/Europe with the product liability insurance requirement
贴牌的零部件会更多的暴露在政府的监管之下,也由此产生了更多的召回风险Product Recall risk increases under the risk government regulation
预算的控制会导致他们不愿意承担保险预算Budget/cost control effects insurance cost
保险及风险管理机构缺少召回的经验和对应的理赔手册,包括针对员工和生产线的具体指导Insurance companies and risk management institutions are lack of claim experience in recall; No recall claim manual
保险及风险管理机构缺少对零部件行业的专业知识和深刻理解Insurance companies and risk management institutions are lack of professional auto parts industry knowledge and deep understanding
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产品 优势 适用于
产品召回保险Product Recall
怡安独家四合一保障方案, 包括:Solely Aon London’s Recall 4 in 1 solution, including: 产品责任保险 Product Liability 产品质量保证保险 Product Guarantee 纯经济损失保险 Financial Loss 产品召回 Product Recall
采购商项目Suppliers’ Programs
与内部经纪人合作Partner with In-house brokers
与当地保险公司合作Partner with local insurers
产品责任保险Product Liability
我们已经积累了丰富的经验在以下领域:We have proven client experience in following sub-industries: 刹车装置 Brake 轮毂 Wheel 转向和轴承 Steering and Suspension 座位和门 Seat and Door 轮胎 Tire
采购商项目Suppliers’ Programs
与内部经纪人合作Partner with In-house brokers
与当地保险公司合作Partner with local insurers
大客户的签约经纪人Direct broker for big clients
现有全球客户Create facility for Auto tire
针对亚洲客户的产品责任和召回保单Product Liability and Recall policy for Automobile Component Manufacturers in Asia
可以覆盖到绝大部分地理区域Cover for all components and exports to allgeographies
现有产品责任险保障可以达到US $30 m Current Product Liability single policy capacity for limits of indemnity available up to US $30 m
产品召回保障可以到US $10 mProduct Recall capacity up to US $10 m
汽车零部件制造商Aimed at Automobile Component Manufacturers
正在寻求保障的零部件生产商Predominantly in-country SME operations who struggle to find this coverage as stand-alone buyers
海外OEM一手订单Covers only direct supplies to OEMs, not aftermarket sales
零配件企业的产品风险解决方案Risk Management for Auto Parts
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汽车行业员工福利发展趋势Trend of Employee Benefits in Automotive Industry
怡安2014年度发布的汽车行业员工福利数据报告中显示:Aon 2014 Annual Benefits Survey from Auto IndustryEmployee Benefits Report:
越来越高的弹性福利普及率,领先整车供应商选择弹性福利方式留用关键员工Improving trends of implementing flexible benefits in leading auto companies as an retention tool to key talents
相较领先企业,更多的汽车行业客户提供固定保额的意外和疾病身故保障Compared with other leading companies, more and more auto companies provide fixed sum assured for term life and accident insurance
领先整车制造企业都为全员提供了企业年金,或类企业年金的留才退休金计划Majority of the leading auto companies provides EA plan or EA-like plan
本土汽车企业海外扩张快速,对于海外人员福利管理的服务需求日益提高Local Auto companies experiences rapid overseas expansion which brings more and more needs on overseas employee benefits
自选福利Flexible Benefits
保险福利Insurance Benefits
年金福利Pension Benefits
海外人员福利管理Overseas Employee Benefits
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怡安概览Aon Overview
#1 风险评级服务代理,再保险中介和人力资源咨询和外包商Rated risk services broker, reinsurance intermediary, and human resource consulting and outsourcing provider
66,000 怡安全球员工数Number of Aon colleagues around the world
500 怡安全球办事处Number of global offices
120 怡安覆盖国家Number of countries in which Aon operates
US$ 11.8bn 怡安2013年总收入Total revenue generated by Aon in 2013
怡安概况 Aon facts 怡安收入 Aon RevenueAon Risk Solutions, Aon Benfield, Aon Hewitt
2013年总收入分解2013 Breakdown of Total Revenue
人力资源解决方案HR Solutions怡安翰威特
Aon HewittUS$ 11.8bn风险解决方案
Risk Solutions怡安风险解决方案
Aon Risk Solutions怡安奔福
Aon Benfield
66%
34%
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Aon-COFCO Insurance Brokers Co., Ltd
42F Jin Mao Tower 88 Century BoulevardPudong, Shanghai 200121People’s Republic of China
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