欧洲银行保险的发展及其对中国的启示

银行保险正在全球范围内迅速发展,逐渐成为寿险产品的主要销售渠道。欧洲是公认的银行保险发展最为成熟的地区。但由于法律监管环境、银保合作模式、银保产品设计及营销方式等因素的不同,法国、西班牙、意大利等南欧国家相对于德国和英国,银行保险的作用和地位更为显著。这些因素的分析对中国银行保险进一步发展具有一定的借鉴意义。针对中国银保市场上产品种类单一、手续费恶性竞争、营销手段落后等一系列问题,本文建议应从放宽法律环境、尝试股权合作模式、打造合理的薪酬制度、促进产品的转型和创新、建立合理的营销体系等方面加以改革完善。

The Development of European Bancassurance and Its Inspiration

Bancassurance is rapidly expanding on the global market and gradually becomes the main distribution channel of life insurance.Europe is generally recognized mature market for bancassurance.However, due to the differences in regulation environment, cooperating patterns between banks and insurance companies, product design and distribution modes, the position of bancassurance in Southern Europe, especially in France, Spain and Italy, is more significant than that in Germany and U.K..The factors affecting the ...