浅析商业银行代理保险业务的潜在风险

各家商业银行紧紧把握金融发展机遇,代理保险业务获得了难得的历史发展机遇,近年来各家商业银行的代理保费收入连创新高,获得了丰厚的中间业务收入,令人欢欣鼓舞.但是在代理保险营销繁荣的背后,存在的风险隐忧却被人们忽视了,由此带来的一些潜在风险正在日益显现.     

对商业银行发展代理保险业务的几点思考

20世纪90年代以来,国内银行业的竞争日趋激烈,传统的商业银行业务所能带来的利润空间越来越小,商业银行进入了微利时代。为寻求和扩大盈利的商机,各商业银行将目光投向了中间业务市场。发展代理保险业务不仅可以为商业银行提供可观的利润,而且还可以保障贷款资金的安全。因此,商业银行应大力开展代理保险业务。     

银行代理保险业务风险研究

本文围绕银行代理保险业务中的风险展开讨论,首先分析了存在的主要问题,尤其是可能带来风险的问题,在此基础上研究了防范风险的若干对策.     

浅析中小城市银行代理保险业务存在的问题及应对策略

近年来,银行代理保险也由于风险小,收益大,已经成为银行竞争的热点。虽然风险较小,但是发展存在的问题亦不可小觑。本文将以中国银行某分行代理保险业务存在的问题为切入点,在实地调查的基础上,提出几点针对性的建议。     

刍议现阶段银行代理保险业务中的不足及完善对策

银行代理保险业务是实现银行与保险公司双赢的重要发展策略。然而现阶段,我国银行代理保险业务尚存在保险产品结构不合理、宣传销售不规范、销售人员专业水平低以及外部监管力度不足等问题,对银行保险业务的健康发展带来了不利影响。基于此点,本文对银行代理保险业务中的不足及完善对策进行探讨。     

应关注银行代理保险业务中隐含的洗钱风险

近年来银行代理保险业务作为一项收益稳定的中间业务品种发展较快。本文首先介绍了银行业金融机构代理保险业务的现状,分析了潜在的风险隐患,提出完善代理机制和内控机制的建议。     

应关注银行代理保险业务中隐含的洗钱风险

近年来银行代理保险业务作为一项收益稳定的中间业务品种发展较快。本文首先介绍了银行业金融机构代理保险业务的现状,分析了潜在的风险隐患。提出完善代理机制和内控机制的建议。     

商业银行现金代理业务发展中的风险规范

为节约成本、降低业务风险,商业银行将现金清分、TAM加钞等现金后台业务进行了社会化代理尝试,但由于目前法规、政策尚未对商业银行现金代理服务机构做出明确规定,从而制约了基层人民银行对此类业务的指导管理,使现金代理业务存在一定的风险隐患,需加以规范。     

关于商业银行代理国库业务监督管理的思考

随着我国经济快速发展,金融体制和财税体制改革不断深入,国库经收等代理国库业务量大幅度增加,加强对商业银行代理国库业务监管、防范资金风险,要充分调动商业银行代理国库业务的积极性;优化国库监管方式;严格商业银行集中支付代理资格审批;加强代理库的制度建设与制度落实;加强对商业银行的业务指导及人员培训;重视国库监管队伍建设。     

银监会进一步规范银行代理保险业务

为规范银行代理保险业务,促进该业务持续健康发展,保护客户合法权益,最近,银监会发布《关于进一步规范银行代理保险业务管理的通知》,主要从四大方面对银行代理保险业务进行规范。一是建立尽职调查和后评价制度,严格准入和退出管理。二是规范销售行为,严禁误导销售与不当宣传。三是对购买投资性保险产品的客户,应建立客户适合度评估制度,并应根据产品风险等级提高销售门槛。     

Choice of scale by banks in financial centers

The paper develops a theoretical link between foreign investment, scale and reversibility in the banking industry. This link is used to formulate hypotheses that are empirically examined with a unique data set collected through interviews with senior managers of multinational banks in London. Findings reveal that banks do not set up large operations to service domestic customers or get a foothold, but do so to create hubs. Banks with confident beliefs set up large operations, and use large offices to lock themselves into the market. These results explain the cross-sectional variation in the size of foreign investments in the industry. Robustness checks do not reveal presence of influential data points; regressions are stable over time and consistent with what we know from secondary samples.     

旅游服务的体验营销研究

以向顾客提供有价值的体验为宗旨，体验营销力图通过满足顾客的体验需要而达到吸引和保留顾客、获取利润的目的。旅游脆务本质上是为旅游者提供的一种或多种经历和体验。时旅游企业而言，服务提供者、游客、服分设施及场景、服务过程都是实施体验营销的关键要素。可采取的旅游服务的体验营销内容包括设计有吸引力的旅游体验主题，提升旅游服务的体验价值，展示体验式旅游有形物，营造旅游互动体验氛围、重视对游客的感官刺激等。     

“Switching is easy”—Service firm communications to encourage customer switching

For several service industries, customer acquisition is challenged because of matured markets. Winning new customers typically means encouraging the competitors׳ customers to switch. This article analyzes “Switching is easy”-messages of retail banks. In their marketing communication, UK banks focus on several aspects to decrease perceived switching costs of their competitor customers. However, many facets stay unmentioned such as stress-related dimensions of switching a relationship. The study therefore contributes to service research by outlining how service firms focus on to decrease perceived switching costs of bank customers to acquire them from competitors.     

Managing Customer Switching Behavior in the Banking Industry

This study aimed to explore the factors that lead to the intention to stay and the intention to switch in the banking industry. The research adopted a qualitative, inductive approach to data collection using a sample of 19 Australians customers who use banking services, and two Australian bank managers. The factors that are important to the customers' decision to change banks or to diversify their accounts include: (a) customer service and customer intimacy; (b) response to service failure; (c) effect of advertising; (d) reputation; (e) ease of banking; and (f) customer value.     

Service capabilities and customer relationship management: an investigation of the banks in Taiwan

This study seeks to explain the influence of several individual service capabilities and their interactions on customer relationship management (CRM) performance in the banking industry. Two samples are analysed (bank staff and bank customers) and an empirical study is carried out using a multiple interaction regression approach. The findings show the main effect of human resources, information knowledge and marketing knowledge, and their interactions (the dyadic and conjoint service capabilities) on the effectiveness of CRM performance. The interactions are compared with the main effects, taking an overall view of capability–performance linkage. The main conclusions suggest that the latter are far more important. These findings provide important information for banks, which need to build successful long-term CRM associations with their customers, to adapt in today's dynamic environment.     

Customer Satisfaction with Retail Banking Services in Ghana

Recent studies indicate high competitiveness of the Ghanaian banking industry, making it difficult for banks to satisfy and retain customers. However, little empirical knowledge exists on the determinants of customer satisfaction toward the services delivered by the banks. This article reports a study of the determinants of customer satisfaction of retail bank services in Ghana. An extensive review of the extant literature was used to identify the theoretical determinants of customer satisfaction in retail banking and their measurement scales. These were adapted to build a conceptual framework for the empirical investigation conducted. Data were collected using a questionnaire administered through personal interviews to 650 customers of retail banks, and the results were factor analyzed and regressed. The empirical results indicated that relational, core, and tangible dimensions of service were positively associated with customer satisfaction in retail banks in Ghana. The study discusses the strategic implications of the findings for the management of customer satisfaction for retail banks operating in Ghana. © 2014 Wiley Periodicals, Inc.     

When service fails: The role of the salesperson and the customer

Service failures and consequent recoveries have been identified as a critical determinant of customer retention. Hence, effective service recovery programs warrant further exploration. In particular, with the current emphasis on relationship selling, salespeople should learn how to improvise to serve their customers effectively, including solving problems when service failure occurs. Therefore, alternatives to current common practices in industry should be investigated. The results of the present study suggest that by providing customers a choice of service recovery options, salespeople can augment customers' sense of control and ultimately their satisfaction with the service recovery and the overall service transaction. The investigation also proposed that customer satisfaction would be contingent upon the importance of the service. However, study findings revealed that this was not the case. Implications of the findings are also discussed. © 2006 Wiley Periodicals, Inc.     

How important is the strategic order of product attribute presentation in the non-life insurance market?

Sales management plays an important role in firms' profit. Its main goal is to determine the best time to present insurance customers with prices, insurers, bundling strategies, and the intermediary's recommendation.In this study, a triangular approach was used. For attribute selection, three focus groups were performed with insurance customers and intermediaries. Conjoint analysis was carried out by presenting the attributes in three different orders.Primacy and recency effects were detected; a transfer or anchor effect was also found related to the importance of the attributes preceding and succeeding a given attribute.According to the findings, salespeople can improve their approach to customers by decreasing the importance given to price and increasing the positive impact of bundling strategies and the intermediary's recommendation in sales.Although the order of attribute presentation has previously been analyzed, this is the first study to examine this issue in non-life insurance products, providing useful information to insurance salespeople and marketing managers for a better understanding of insurance customers’ buying decision process.     

Measuring upselling potential of life insurance customers: Application of a stochastic frontier model

How much more of a service or product can we potentially sell to a customer? Recognizing the effect of selling inefficiency on upselling potential, this article offers a concept of upselling potential that is different from that currently in use and introduces a methodology for calculating customer-specific upselling potential for life insurance customers. The proposed model was applied to the data of 5,000 life insurance customers. This paper shows that the insurer analyzed could have sold an additional 25% worth of premiums for more than half of its customers. Other uses of the technique are also discussed.     

商业银行服务的顾客核心价值及提供模式分析

不同的目标顾客在购买商业银行金融服务在满足其需要的核心价值方面具有显著差异,由此形成了不同态度和购买决策行为。顾客核心价值概念模型揭示了核心价值其他相关因素之间的关联性。顾客导向的核心价值提供的模式为商业银行更好地满足目标顾客需求、赢得竞争优势,奠定了理论基础和操作依据。