翻译阅读资料：保诚保险集团

Prudential was founded in 1848, as the Prudential Mutual Assurance, Investment and Loan Association in London. The company grew from a small life assurance company, with a customer base limited to the well-off middle classes, to Britain's largest life company by number of policy-holders. In 1854 Prudential opened its industrial department and began to sell quot;penny policies" that could be afforded by poorer people.

保诚诞生于1848年。当时叫保诚共同保险、投资和贷款协会，地处伦敦。保诚从一家小小的人寿保险公司，顾客基本都是富有的中产阶层，发展成为英国按保单计算的最大的人寿保险公司。1854年，保诚开设了工业部，开始销售所谓的“便士保单”，穷人也买得起。

The department really began to expand in 1856 when the company pioneered infantile insurance, allowing parents to insure the lives of children under the age of ten. By keeping statistical records about policy-holders, Prudential was able to calculate accurate premium rates and improve the benefits payable on poicies. By the turn of the century one third of the population was insured with quot;the Pru". By the mid-1870s, the company started to employ lady clersk and use "modern" calculators and typewriters.

工业部1856年开始扩展，他们开创了婴儿保险，让父母为10岁以下的子女投保。由于保留了保单持有人的统计记录，保诚能够准确计算保单收费率，增加向投保人支付的赔偿金。到世纪初时，英国人口有三分之一投保于保诚。19世纪70年代中期，公司开始雇佣女员工，使用当时的现代化计算器和打字机。

By 1900 there were nearly 15,000 agents collecting Prudential premiums. Until 1915 Prudential sold life assurance only. In 1915 the range of busines was extended with the opening of the general branch, through which fire, accident, marine and other forms of insurance were sold from 1919 onwards. During the 1920s Prudential began to expand overseas and agencies were set up all over the world to sell Prudential policies.

到了1900年，有将近1.5万名代理人为保诚收取保费。1915年以前，保诚只销售人寿保险。1915年，业务范围扩展，设立了普通保险部，从1919年开始销售失火、事故、海上和其他形式的保险。20世纪20年代，保诚开始向海外发展。世界各地都成立了代理机构，销售保诚的保单。

In Britain, new policies were introduced for women, family protection and long term saving opportunities. In the post war period the range of Prudential's products changed towards an emphasis on savings, annuities, pensions and family income protection. In the 1970s a number of acquisitions were made and in 1978 Prudential Corporation was set up as the holding company for the group. The focus on adopting new sales and marketing techniques to promote products dominated the 1980s.

在英国，为妇女、家庭保护和长期储蓄推出了新保单。战后时期保诚产品的范围转变，更加强调储蓄、年金、退休金和家庭收入保护。20世纪70年代，收购了几个公司。1978年，保诚总公司成立，作为集团的控投公司。注重采用新的销售和推广技巧来推销产品是20世纪80年代的主要内容。

The sales force was restructured to deal better with customer needs and new channels of communication were opened through telephone sales and Independent Financial Advisers. In 1986, Prudence was launched as the new image for Prudential Corporation, the traditional values of the company presented in a modern forward-looking way. The 1990s saw further diversification of products and methods of communication.

销售队伍的结构重新调整，以更好地满足客户的需要。开辟了新的通讯渠道，通过电话销售和独立金融顾问发展业务。1986年，推出“谨慎女神”，作为保诚总公司的新形象，公司传统价值的体现有了现代化、向前看的风范。20世纪90年代，产品进一步多样化，宣传方式进一步多样化。wｗw.ExamＷ.CoM

Sales by telephone and through IFAs have gradually reduced the role of direct sales in customer's home. In 1997 Scottish Amicable was acquired, strengthening Prudential's position in the IFA sector. The launch of Egg in 1998 saw Prudential use a new distribution channel, targeting the Internet generation. The acquisition of Mamp;G, the fund managers, in 1999 strengthened the Group's investment portfolio. In recent years Prudential has expended in key markets, principally the United States and Asia.

电话销售和独立金融顾问的发展逐渐减少了直接到顾客家里的销售。1997年，我们收购了苏格兰友好保险，加强了保诚在独立金融顾问行业的地位。1998年推出蛋蛋银行，保诚使用了一种新的营业渠道，目标是互联网的一代。1999年收购Mamp;G这个基金管理公司，加强了我们集团的投资组合。最近几年，保诚在关键市场中扩展，主要是在美国和亚洲。

Prudential Coropration Asia has operational businesses in Singapore, Malaysia, Thailand, Indonesia, India, China, Vietnam and the Philippines. New business ventures have been established in Japan and Korea in the last year. In the Unites States, Prudential's subsidiary, Jackson National Life is represented in all states and distributes products through independent agents as well as financial institutions and broker-dealers. The extent of the importance of international business can be seen by the fact that over 50% of the group's sales are international.

保诚总公司亚洲部在新加坡、马来西亚、泰国、印尼、中国、越南和菲律宾都有实际业务。去年，在日本和韩国也建立志了新业务。在美国，保诚的子公司杰克逊国民人寿保险公司在各个州都有分支，销售产品的渠道不仅有独立代理商，还有金融机构和证券经纪人。我们集团50%的销售额来自国际业务，其重要性可见一斑。

Prudential's history ahs been about change and innovation. Throughout its history Prudential has had to survive in difficult markets where other businesses folded. It recognised that it had to grasp the difficulties of communicating the value of its products to differing and diverse markets through periods of great political and social change. The development of new products and the emergence of new markets have established Prudential as a significant player in the world of international retail financial services.

保诚的历史是变革与创新的历史。年复一年，保诚在他人破产的困难市场中生存。公司认识到必须把握难点，即使是在政治和社会变革时期，也必须能够把自己产品的价值在各不相同、复杂多样的市场内说明清楚。开发新产品，以及新市场的出现，使保诚在国际金融零售服务领域成为一位举足轻重的成员。