How to do a good job in banking and insurance: 1. 1. For commercial banks, the concept should be changed-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. 2. 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. In fact, banks may want to change their mind. Because the ultimate goal of cooperation between banks and insurance companies is the mutual integration of different financial products and services, it is necessary for banks and insurance companies to jointly develop financial markets, and banks expect to achieve a win-win situation with insurance companies, so banks should play a more active role in cooperation. This move is to change the concept first, that is, to realize that we are meeting the insurance needs of customers and choosing insurance products for customers. In this way, banks change passive sales into active sales in the concept of marketing products. Second, 1. At the intersection of the motives of bank-insurance cooperation mentioned above-the advantages of the bank's own resources, the large number of customers, the trust in the bank, and the wide range of outlets, the bank has unique market resources that insurance companies do not have. Therefore, banks should make full use of their own resource advantages, strengthen the information consultation of bancassurance business, and collect and analyze market information while selling insurance products. We know that market supply is determined by market demand. The sales of insurance products are actually determined by the market (customers) that have demand for insurance products. 2. At present, after insurance companies sell insurance products through the sales channels of banks, it seems that there is a lack of communication with the end users of insurance products, and banks only play the role of sales and know little about the real needs of customers. Banks must understand the market in order to meet the market demand. For banks, it is easier to strengthen market information consultation. In the bancassurance business, banks have a lot of market information, which can not only inspect insurance companies, but also choose insurance products according to customers' needs; At the same time, it can also provide market demand information to insurance companies, so that they can develop new insurance products according to their needs. 3. In addition, it also provides the necessary conditions for banks to develop bancassurance products themselves, laying the foundation for real bank insurance.
Third, 1. From a strategic point of view, it has become a good platform for banks and insurance companies to promote each other in the process of bank insurance business. Banks must comprehensively strengthen market information consultation, so as to master sufficient and accurate market information, which is an integral part of the integration strategy. This can solve some problems between banks and insurance companies to some extent. 2. It can promote the healthy development of bank insurance business. At present, with the increasing number of insurance companies, the disorderly competition among insurance companies has intensified, making the bank agency channel a scarce resource. In order to gain outlets and scale, insurance companies pay higher and higher fees to banks, which reduces their contribution to shareholders' income to a certain extent, and also reduces their funds for maintaining customers and providing customer services. If the bank gives necessary market guidance through the analysis of market information, it can avoid the situation that insurance companies withdraw from unprofitable markets due to vicious competition and actively shrink their insurance business, thus affecting the bank's income. 3. It can change the passive position of banks in the cooperation between banks and insurance companies. Grasping sufficient and accurate market information will enable banks to take the initiative in the market, serve customers together with insurance companies, give full play to their respective advantages and lay the foundation for equal cooperation.