How to develop insurance business

If bank insurance is to develop steadily and healthily for a long time, it is necessary to meet the interests of banks, insurance and customers to the maximum extent and achieve a win-win situation. That is, customers can enjoy better financial services; Insurance companies can expand product sales and reduce operating costs; Banks have improved customer loyalty and increased the source of profits. It can be seen from the actual situation of various countries that the development of bank insurance can not be separated from the tax incentives of products and the strong support of national policies. For our country, under the premise that the financial market order has not been fully established and the power and technology of financial supervision need to be strengthened and improved, we should further strengthen the in-depth cooperation of bank insurance, innovate products and services, improve the level of informatization, increase the incentive mechanism, improve relevant laws and promote the in-depth development of bank insurance business.

First, strengthen the in-depth cooperation between banks and insurance companies and establish a long-term benefit sharing mechanism. First, insurance companies and banks should base themselves on the long-term, deepen the close degree of bank-insurance cooperation, actively expand new areas of bank-insurance cooperation, further strengthen business cooperation and promote deep capital cooperation; Second, from a strategic perspective, establish a long-term cooperation mechanism between bank and insurance, establish the concept of steady and sustainable development, find the same customer market, provide diversified services, and ensure long-term customer satisfaction; Third, pay attention to rational and effective use of existing financial resources, tap potential cooperation points, explore diversified sales models, and avoid short-term behavior.

The second is to improve research and development capabilities and develop marketable bank insurance products. On the one hand, make full use of customer resources, segment the market, determine the corresponding target market, and design corresponding insurance products for prospective customers and potential customers with different demand levels, so that the products integrate supportability, savings and investment to meet customers' needs for financial services to the maximum extent. On the other hand, we should explore the joint development of products by banks and insurance companies, so as to increase the appeal to bank customers, mobilize the enthusiasm of bank agents, realize the organic combination of bank financial services and insurance protection functions, and better improve the sales efficiency of insurance products. Such as the development of bundled mixed products, insurance related to bank financial instruments such as credit storage and credit cards. , enrich the insurance products that banks can sell.

Third, strengthen the construction of professional teams and enhance the connotation value of services. First, strengthen the training of bank insurance business personnel, improve the moral quality and professional quality of bank insurance product sales personnel, jointly train professional personal financial consultants, and provide customers with financial planning, product promotion, clause interpretation, bill preparation and other services; The second is to improve the incentive mechanism and cultivate the sales habits of bank employees, that is, to change the passive sales of bank products and insurance products into active sales, and to change from "buying" by customers to "selling" to customers; Third, establish a bank insurance after-sales tracking service system, so that customers can get convenient, fast, accurate and diversified supermarket-style services in a bank and enjoy various preferential value-added services provided by insurance companies and banks.

Fourth, improve the application level of information technology and establish a bank insurance customer management system. Banks and insurance companies should strengthen cooperation in the field of information technology, realize the networking of insurance company's database system and banking business processing and settlement system, strengthen the cooperation between insurance company's internal automatic underwriting system, insurance information management system and settlement system and banks, develop business processing system suitable for bank insurance needs, and improve business ability and quality. At the same time, increase the effective use of customer resources in bank insurance business, establish a supporting customer management system, jointly use customer resources, and improve the renewal rate.

Five, improve the legal system, strengthen the supervision of bank insurance. On the one hand, establish and improve the regulatory laws and regulations system, constantly carry out institutional innovation, establish clear laws and regulations or regulatory standards for innovative products such as bank insurance and online insurance, create a good institutional environment, and prevent "institutional trap" and "institutional vacuum". On the other hand, it is necessary to strengthen the coordination and cooperation between the CIRC and the CBRC, and establish a close cooperation mechanism to fill the regulatory vacuum in the "fuzzy zone". In order to avoid and control the risks of bank insurance business and promote the healthy, stable and sustainable development of bank insurance, we should standardize many problems existing in bank insurance business, such as market access, external publicity, fees and so on.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.