论文部分内容阅读
银保业务不仅在保险公司保费收入中占有举足轻重的地位,也对商业银行增加中间业务收入、丰富产品体系、扩大和巩固客户资源有着重要意义。银保新规的实施,给保险业特别是寿险业的发展带来较大的压力。本文分析了我国银保业务在银保新规实施的背景下面临的困境,在银保合作模式的选择、产品创新、销售人员培训等方面提出了对策。
Bancassurance business not only plays a decisive role in the premium income of insurance companies, but also has an important meaning for commercial banks to increase their intermediary business income, enrich their product systems and expand and consolidate their customer resources. The implementation of Bancassurance’s new regulations has brought greater pressure on the development of the insurance industry, especially the life insurance industry. This article analyzes the plight of China’s banking and insurance business in the context of the implementation of the new bancassurance policy, and puts forward countermeasures in aspects of the choice of bancassurance cooperation mode, product innovation and sales staff training.