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从2000年8月平安“千禧红”产品在工商银行柜台推出,银保业务正式启动,经过几年的发展,银行代理业务已经成为众多保险公司鼎立于个人和团体业务的“三驾马车”之一,更有一些新成立的保险公司银保业务保费收入占到了公司总保费收入的半壁江山。可以说,银保业务目前已经成为各保险公司争夺市场、扩大业务规模的重要手段。但银保业务的火爆却难以掩盖其背后深刻的危机,银行保险升级的呼声越来越高。
From August 2000, the safe “Millennium Red” product was launched at the ICBC counter. The bank and insurance business was officially launched. After several years of development, the bank agency business has become the “Troika” with a large number of insurance companies standing on top of individual and group businesses. First, some new insurance companies, including bank insurance premiums accounted for half of the total premium income of the company. It can be said that the bancassurance business has now become an important means for insurance companies to compete for the market and expand the business scale. However, it is hard to cover the profound crisis behind the bancassurance business, and the voice of bank insurance upgrade is getting higher and higher.