"This is not easy."

In the meeting room of the national property insurance company, Xu Guangming, deputy general manager of the company, scratched the head of the brain that had no few hairs left, and said to the three guests sitting in front of him.

The three guests, Feng Xiaochen, general manager of the national equipment company, and Wang Zhenbin, director of the project management department, cold flying cloud and the director of the National Development and Reform Commission.If it is replaced by other people to visit, it is not necessary to let Guangming this level of cadres come out to receive, but Feng Xiaochen and Wang Zhenbin are at the level of the department, and if the property insurance company sends a small director to come out to receive it, it will seem too lazy.

The purpose of Feng Xiaochen's trip is to discuss with the property insurance company the establishment of the first set of insurance products, which is in response to the situation that Wang Weilong refused to accept the first domestic equipment of the user unit that Wang Weilong had said to Feng Xiaochen.

The so-called first set, refers to the domestic enterprises based on independent design and manufacturing of the first or first set of equipment, regardless of the manufacturing enterprise design and manufacturing rig, as the first or first set of equipment, there will always be a variety of unpredictable use risks.Domestic users in the equipment bidding, often require the bidding enterprises to provide products have been successfully applied cases, which is also a very common international requirement.But if all user companies make such a request, then the first set of devices will never have the opportunity to apply, which is a paradox.

To encourage users to become the first "crab-eating" unit, in addition to providing price and other concessions, there is also a guarantee mechanism to eliminate the risk of using the first set of equipment.Each manufacturing company is afraid to promise users to compensate for all risk losses, because some risks may be too large for manufacturing enterprises to bear, or may seriously affect the operation of manufacturing enterprises.At this point, the value of the insurance company is reflected.If the insurance company provides a risk guarantee, the manufacturing company only needs to pay a small amount of insurance premiums, in the equipment is indeed a problem, the insurance company can bear the responsibility for compensation for the loss of the user's enterprise, which is an excellent mechanism for the manufacturing enterprises and user enterprises.

Feng Xiaochen asked some experts who engaged in finance and technological economy, and demonstrated this problem, which everyone thought was a good way.Feng Xiaochen also reported to the National Development and Reform Commission, and the National Development and Reform Commission also agreed to this plan, so Feng Xiaochen and Wang Zhenbin jointly visited the property insurance company.

Before the visit, Feng Xiaochen has let the equipment company design the plan passed to the property insurance company, please the property insurance company to evaluate.Xu Guangming also saw the evaluation report submitted by the company's actuarial department, and it will show a difficult color in front of Feng Xiaochen and Wang Zhenbin.

"We made calculations, because there is a lack of sufficient data, and the current estimates are relatively rough."However, according to our estimates, the average insurance cost should reach about 30% of the transaction price of the equipment, which is too far from the level expected by the equipment company not exceeding 5% of the transaction price of the equipment.He said to the three of them.

“Thirty percent of the price, isn’t it?”The cold clouds.

Think about it, if the price of a device is 10 million, the insurance premium will be paid off 3 million, what is the business?The profit margin of major equipment will not be too high, and to compete with foreign products, some prices must be appropriately reduced.If you take out 30% of the transaction price as insurance premiums, no company can afford it.

He said, “That’s where I say things are hard.In fact, the average profit of 30% is still underestimated, different equipment, different applications, and the reputation of manufacturing companies, these are to be considered.According to the calculations submitted by the actuarial department, some products even need to pay a premium equivalent to 150% of the transaction price.I didn't dare to say it directly, and I'm afraid of scaring you."

"We've been scared."Wang Zhenbin said, "Such a high premium standard, companies are certainly unable to bear."I know that your insurance companies also need to consider profits, but this is related to the overall situation of major national equipment research and development, can you properly make a little profit to the enterprise?"

Xu Guangming smiled bitterly: "Director Wang wronged us, we really have no intention of making profits from this matter."In the program sent to us by Feng, the significance of this matter has been explained, and our company's board of directors has discussed it at a special meeting, and unanimously agreed not to make a penny of profits on this project, and even bear some risks.We let the actuarial department calculate the premium according to this standard, and so it is calculated that it is still so high."

Feng Xiaochen sat across from Xu Guangming’s expression and felt that he did not seem to lie.In fact, the property insurance company is also a national enterprise, and the relationship with the National Development and Reform Commission is very close, and there is no need for Xu Guangming to lie in front of Wang Zhenbin.He thought about it and asked, “General, can I understand why the insurance standard is so high?”

“It’s all calculated.”Xu Guangming said, "We need to calculate the probability of various failures in the equipment, and then calculate the expected loss of our company based on the loss caused by each failure."Insurance revenues should be able to compensate for the expected loss, so we can guarantee a break-even on this project.If we had originally intended to make some profit, we would need to add another percentage on that basis.”

This set of premium calculation methods, Feng Xiaochen also understand, he asked: "So, you think our equipment failure probability is very large?"

Xu Guangming said: "Different equipment situation is different, we are also based on past experience to calculate, in order to collect this data, we also invested a lot of energy."Now the key is that your equipment is mainly used for key areas, any problem, are very large losses, this is the reason for the high premium.When I looked at the report of the Department of Actuarial Affairs, I felt that this was something that could not be done, and that the manufacturing companies could not accept such a high premium.”

“There’s nothing wrong with your calculations, is there?”The cold cloud couldn’t help but ask.

Xu Guangming laughed, “I can’t really answer this question from Minister Cold.”The professional level of the actuary of our actuarial department is still very good, but in terms of this new type of insurance, I did not dare to give them a guarantee, saying that their calculations were not wrong.What is the reason?We do actuarially, and we need a lot of data to support it.For example, sea transport insurance, we can calculate the transportation risk according to the previous accident data on each route, and the accuracy is relatively high.

But your first set of risks, there is no reference to the information, each equipment and other equipment are different, no one knows which device is the risk, which one is less.We have synthesized a variety of information and taken a result that is barely acceptable.To tell you, even in the proportion I just said, our company is also taking a great risk, in the event of a big accident, we pay full compensation, can be half of our company's family in the family.

“That’s not going to be.”Feng Xiaochen said, "If there is such a big risk thing, we will pay special attention to the project, product design will also be multi-party demonstration, it is impossible to put the equipment with major risks into operation."

This is true, but Feng Xiaochen also knows that Xu Guangming's concern is not unreasonable.In the event of an accident, some of the major equipment is indeed incalculable.For example, nuclear power, not an accident is already, an accident is a huge disaster.Such a big risk, let the insurance companies to bear, people must be under pressure.

“As you say, there’s no way about this?”Wang Zhenbin is accustomed to macro-coordination, for this kind of difficult things do not feel novel, he knows that all units have some solutions to the problem, so they emphasize the difficulties, but to talk about the conditions.

Sure enough, when he heard Wang Zhenbin's question, Xu Guangming's face showed some embarrassed colors and said, "The method is not completely absent, this depends on how determined the country is."

“I can answer you, I hope that the determination of the country will be, and how determined you will be.”Feng Xiaochen calmly replied.

This answer made Xu Guangming feel a little surprised, he looked at Wang Zhenbin and asked: "Director Wang, General Feng, can represent the meaning of the National Development and Reform Commission?"

Wang Zhenbin nodded and said: "Whising is right, the state will give full support to the equipment manufacturing industry."Without the equipment manufacturing industry, everything in our country is a castle in the air.You ask how determined the state is to support the equipment manufacturing industry, and the words just now represent the meaning of the National Development and Reform Commission, and you hope that the determination of the country is how big the determination of the country can be.

“If that’s the case...” Xu Guangming paused for a moment and said, “That’s not impossible.”

“I want to hear it.”Wang Zhenbin said.

Xu Guangming said: "We hope that the state can give us a policy, and the finance will give us the bottom."We set a risk boundary within which the risks arise, and our company takes them.The risk of exceeding this limit is borne by the state finance.If the risk of going out of the bounds can be removed, the premium can be greatly reduced.However, we are also ugly in front, even if it is reduced, the average premium is estimated to be more than 10%, which is difficult to reduce."

“Can you draw this risk limit?”Wang Zhenbin asked Feng Xiaochen.

Feng Xiaochen said, “This is possible.Projects that involve significant risks are not originally something we can make and need a central clapping board.If something goes wrong with such projects, it is certainly not enough to rely on property insurance companies to compensate, but only for the State to afford them.”

"If that's the case, then I think that's a workable idea."Wang Zhenbin said, "Whising, General Xu, after coming down, the three of us wrote a report, expounding on this matter from their respective perspectives, and then submitted by the National Development and Reform Commission to the superior leadership."If the superiors can accept this program, we will do it.”