Question 2: What is the bancassurance business? What kinds are included? What are the advantages of ICBC's bancassurance business? Bank insurance is the product of economic globalization, financial integration and financial service integration and innovation, which refers to a mutual integration and infiltration strategy adopted by banks or insurance companies. It is a comprehensive financial service that makes full use of and cooperates with the superior resources of both parties, provides financial products with both banking and insurance characteristics for the same customer group through the same sales channels, and meets the diversified financial needs of customers in an integrated business form. The field of bank-insurance cooperation can be roughly divided into three aspects: first, agency business; The second is complementary business; The third is the insurance business of commercial banks themselves. Bank-insurance agency business is essentially insurance business, which refers to the agency business in which banks, as part-time agencies, sell life insurance products and property insurance products within the authorized scope for insurance companies through counter, telephone banking, online banking, credit and other channels, and provide insurance business consulting, insurance support and other services for bank corporate customers and individual customers (hereinafter referred to as agency sales business). At the same time, insurance companies use the bank cash settlement technology system, through online banking, counters and so on. , to realize insurance premium collection, insurance premium payment, surrender premium or policy bonus collection and payment services (hereinafter referred to as "agent payment services"). Business complementarity refers to the behavior that banks and insurance companies provide financial services and financing to each other based on the principle of resource sharing and complementary advantages. In actual business, it is more manifested that banks provide financial services to insurance companies. Including deposit business, settlement and cash management business, asset custody business, enterprise annuity, investment banking, financing business, etc. Self-operated business of banks means that banks, as demanders of insurance products, need insurance companies to provide their own assets insurance and employees' personal insurance products and services, just like other corporate customers of insurance companies. Advantages of ICBC's bancassurance business: perfect financial service network; Advanced technical support system; High-quality customer resources; Strong marketing ability; Strict risk management and control system.
Question 3: What does bancassurance mean? Hello.
Yinbao refers to the insurance products sold by banks on a commission basis. Bank insurance is essentially the insurance of insurance companies, but banks are responsible for agent sales.
The general income is not very high, and the 5-year deposit of Fu Bank is slightly higher.
Question 4: What is bancassurance? Abstract: bancassurance, as its name implies, is bank insurance. Banks don't have insurance business, but sell the products of some insurance companies in banks, which can not only integrate the advantages of banking financial business into insurance, but also provide customers with better services and achieve a win-win situation. At present, the cooperation mode between China's banking and insurance industry, whether from the promotion of business agents or the development of product types, can not fully meet the actual needs of customers. At present, the two sides are limited to the level of banks acting as insurance companies. That is to say, banks intervene in the insurance field by charging fees to insurance companies, and insurance companies complete insurance sales business through agency sales of banks. This kind of cooperation mode in which banks only act as agents and intermediaries, or more accurately, insurance agency business, is far from the real bank insurance, and both the business organization form and the product variety are in the primary stage. From the motivation analysis of bank-insurance cooperation, there is room for development for complementary advantages. The cooperation between banks and insurance companies in insurance business (including postal agency insurance) means that financial institutions such as banks, postal services and IMF cooperate with insurance companies to provide customers with * * * products and services through the same sales channels. Insurance companies initially had the motivation to handle bank insurance business. First, they used the reputation of banks to increase customer contact. The second is to reduce marketing costs with the help of Danxing Outlets. Furthermore, insurance companies hope to take advantage of the bank's good reputation, numerous customers and numerous outlets. At first, banks started banking insurance business based on their own resource advantages, in order to increase intermediary business income, enrich business varieties, and provide customers with more extensive and comprehensive services, thus improving their competitiveness. Banks should give full play to their resource advantages and take strengthening information consultation of bancassurance business as a brand project to develop their own advantages. The simplest form of cooperation between banks and insurance companies is to sell insurance products through the distribution channels of banks, while developing mixed products, strategic cooperation and establishing joint ventures and holding companies are more advanced forms of cooperation between banks and insurance companies. Therefore, to realize the real cooperation between bank and insurance, it will inevitably involve the overall strategic positioning, as well as a series of issues such as system and mechanism. In view of this, at this stage, domestic banks in China should give full play to their own resource advantages and strengthen information consultation in bank insurance business. How to do it well? First of all, for commercial banks, the concept should be reversed-the service object of banks is customers first, not just insurance companies. Banks should choose insurance products for customers, not sell insurance products for insurance companies. At present, in the cooperation between banks and insurance companies, banks are in a dominant position, but they are in a passive position when handling business. Some banks choose insurance companies to cooperate and sell products provided by insurance companies, but they don't know much about insurance knowledge and insurance products. Selling insurance products is not as active as selling their own products.
Question 5: What is the job of the bancassurance commissioner? At present, life insurance companies have several major components, such as personal marketing, bank agency, group insurance, telemarketing and agency business. Generally speaking, there are the first three items. Among them, the bancassurance Commissioner is engaged in bank agency business, which is different from traditional personal marketing.
Question 6: ICBC's bancassurance means that bank products are actually insurance sold by insurance companies through bank channels. This insurance is not common property insurance and life insurance, but investment-linked insurance, which is a kind of insurance!
Question 7: What does bancassurance do? The insurance company signs an agreement with the bank, and the bank sells the insurance of the insurance company on its behalf. The work of bancassurance is to cooperate with the staff of the bank. These cooperations include training bank counter staff, after-sales service and helping to explain to customers. These are all done by the bank manager of the insurance company. Bank insurance also includes managing these bankers.
Question 8: What does the bancassurance department of an insurance company do? There are two kinds, one is that the bank personnel are doing (taking the basic salary of the bank) and doing a lot of business, and the insurance company pays him a commission according to the commission ratio. The other is that insurance companies are stationed in banks, and there are also job subsidies (the exact number is unknown). The rest are calculated by performance, and the performance is ahead ~ ~
Question 9: What exactly does bancassurance do? Well, working in a happy life has achieved a performance, which varies according to the situation of each branch.
No, because the level of each city is different, so the economic level is different, such as our company.
If you become a full member, you need a commission of 1350 to become a full member. Otherwise, you will be automatically terminated after three months. happy
Compared with other insurance companies, the income should be comparable, because happy life is a double commission, while other companies
You can only get a commission, which is a highlight of happiness. In addition, bancassurance is doing insurance in banks, specifically.
You have to refer to your regulations, because they are also municipal regulations, not uniform. silver
However, as far as I know, the working place of bancassurance is in the bank, while the backstage or on-site work of insurance companies is on the Internet.
The place of class is in the company.