Before the August life insurance premium bancassurance accounted for more than 50% insurance product lata-01

Before the August life insurance premium bancassurance accounted for more than 50% insurance products become the protagonist of the Sina foundation exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click [I want to complain], Sina help you expose them! Source: financial investment newspaper as the main way to start and improve the scale of the majority of insurance business, bancassurance channels have been in the heart of the insurance company to occupy a pivotal position. However, due to the "deposit" change "policy" misleading sales behavior is common, bancassurance has been controversial. However, the financial investment news reporter noted that the latest statistics show that in the market and regulatory forced, the successful transformation of the bancassurance business is still hot. Life insurance bancassurance business grew by 80% recently, the CIRC life insurance supervision department director Yuan Xucheng in the seventeenth year actuarial meeting pointed out that this year 1-8 month, the life insurance bancassurance business grew 79%, the market share reached 53%, to record highs. In the first half of this year, the life insurance market has accumulated a total of yuan in the scale of the new single business broke trillion yuan, reaching $10383, an increase of 89% over the same period. There are indications that the bancassurance channel is still one of the main channels. The concern is that the "financial investment news" reporter visited the city a number of bank outlets found in bancassurance products again by the public interest at the same time, the present stage in the short-term financial products of bank insurance total quantity is less, instead, it is a long-term product for more than 10 years. Overall, such products have declined compared with the beginning of the year. This is not a sudden choice. In March this year, the China Insurance Regulatory Commission released the "Circular" on issues related to the short duration of norms in personal insurance products, and at the beginning of September, once again issued a "notice" to further improve the relevant matters of personal insurance actuarial system and "on the strengthening of personal insurance products supervision work notice". For always in the bancassurance channel "selling" of short duration, CIRC clear requirements, since the beginning of 2019 in short duration business accounted for no more than 50%, fell to 40% in 2020, 2021 and further to 30%. Bancassurance products to protect the function of change in the background, many insurance companies are choosing to increase product and channel adjustment, optimization of premium structure, take the initiative to return to the core value of insurance. Since the two quarter of this year, many commercial banks have begun to launch a series of security protection products, including major disease insurance and life insurance. In the industry view, interest rates down, increase the pressure of funds, banks, insurance companies, customers three win-win situation and challenge, bancassurance product changes to the security function can be said to be the bank and insurance company benefit, but also allow consumers to add a security risk. Sun Anmin, vice president of auspicious life wrote that, in the transition period of product design, product design should meet the market demand, forward-looking, should consciously develop products according to different customer groups, the implementation of the supply of a real sense of product side reform. According to customer needs, the development of a number of high-end crowd wealth management theory相关的主题文章: