国外寿险领域银行保险的发展及对中国的启示

银行保险是目前国际上盛行的保险销售渠道,尤其是在寿险领域中成效显著。通过分析银行保险在寿险领域中的发展状况,研究了银行保险寿险产品的特征与趋势,以及影响银行保险在寿险领域中发展的相关因素。本文认为,我国保险公司在开展银行保险方面,应首先保证银行保险的低成本优势,同时依据现阶段的政策环境,顺应银行与客户的需求,开发新型的银保寿险产品。

Development of Life Bancassurance Abroad and Implication for China

Bancassurance is an increasing prevalent channel for insurance distribution at the present,which has made a distinct success in the life insurance market,in particular.By analyzing the development of the life bancassurance,this paper studies the features and tendency of the bacassurance products of life insurance and the factors which affect development of life bancassurance.This paper suggests that,to succeed in life bancassurance,the insurance companies in China should keep the cost advantage of bancassurance and develop new type of bancassurance products adapted to the current policies and the demand from consumers.