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汇丰经验显示,银行保险整合性销售有效延长了银行的产品线,丰富了客户的选择,提升了客户满意度,保险业务本身也获得突飞猛进的发展商业银行直接开展保险业务,是为了更好整合金融资源,为客户提供一体化金融服务。银行开展保险业务的最高层次是双方在资本层面形成融合,更充分地实现渠道、客户、信息、营销等方面的优势互补与资源整合。笔者选择汇丰集团作为样本,深入分析了其在保险领域的战略定位、资本运作、业务选择、风险管理等方面的经验,从
HSBC experience shows that the integrated banking insurance sales have effectively extended the bank’s product line, enriched the customer’s choice and enhanced customer satisfaction. The insurance business itself has also made rapid progress. The commercial bank directly carries out the insurance business in order to better integrate the financial Resources, providing customers with integrated financial services. The highest level of bank insurance business is that both parties form a merger at the capital level to fully realize the complementary advantages and resource integration in terms of channels, customers, information and marketing. The author chooses HSBC as a sample and deeply analyzes its experience in the strategic positioning of the insurance field, capital operation, business selection and risk management, etc.