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2010年11月银监会发布90号文,保险公司传统驻点、一对多的销售模式受到强烈冲击,渠道压力骤增。会计准则2号解释对万能险和投连险的投资账户、独立账户负债的相关规定则对银保产品结构带来冲击。2010年下半年以来,央行多次加息并上调存款准备金率,资本市场流动性紧缩,银行受到明显影响,从而对功能与银行理财产品类似的银保产品产生挤出或替代效应。2011年以来,我国银保业务面临了较大
In November 2010, China Banking Regulatory Commission released Circular No. 90, the traditional stagnation point of insurance companies and the one-to-many sales model were strongly impacted, and the pressure on channels increased sharply. Accounting Standards No. 2 Explain the investment accounts of universal insurance and investment-linked insurance, and the relevant provisions of the independent account liabilities have an impact on the structure of the bank and insurance products. Since the second half of 2010, the central bank raised interest rates several times and raised the deposit reserve ratio. Liquidity in the capital market has been tightened and banks have been significantly affected. As a result, they squeeze out or replace banks and insurance products that are similar in function to bank wealth management products. Since 2011, China’s banking and insurance business is facing a larger scale