寿险公司开展银行保险业务的问题与思考  

Problems and Thoughts on the Bankassurance Business of Life Insurance Companies

作　　者：孔红秋 Kong Hongqiu

机构地区：[1]中国人民人寿保险股份有限公司湖南省分公司

出　　处：《保险职业学院学报》2019年第6期43-46,共4页Journal of Insurance Professional College

摘　　要：银行保险业务是当前我国保险业充分利用银行业渠道拓展业务、合作共赢的重要业务方式。由于我国银行保险开展时间不长,积累的经验不多,加之此业务是由银行和保险公司共同完成,合作中不免会存在着一些问题和难点。本文根据我国银行保险在目前发展过程中出现的问题,进行了深层次分析,从分析中我们可以看出,目前我国银行保险需要在合作模式、产品开发、服务方式等方面不断完善和探索,才能在未来的发展中获得更多的机遇。Bankassurance is an important business in which Chinese insurance industry can make full use of banking channels,expansion of business and cooperation for a win-win situation.However,due to the fact that Chinese bankassurance has not developed for a long time,little experience was accumulated.As this business is completed conducted by the cooperation of banks and insurance companies,problems and difficulties still exist.This paper makes a deep analysis of the problems in the current development of Chinese bankassurance.According to the analysis,the cooperation model,product development,service mode and other aspects of Chinese bankassurance should be constantly improved and explored.Only in this way can bankassurance get more opportunities in the future development.

关 键 词：银行保险 合作模式 产品开发 服务方式 

分 类 号：F840.62[经济管理—保险]