Category: Insurance tips Release Date: 2006-08-01
Reporter staff got used to sell insurance, fliers, found that insurance salesmen struggling to describe dividend return on Shique overlooked an important word - the above benefits is a "demonstration" that is, insurance companies with 4%, 5% or 6% return, for example, just to let you see visually. And now, the ability of return has been depicted very tempting, faced with such a high dividend capacity, many people can resist the insurance dividends to it as a low-risk, high return on investment shortcut.
As of the end of September last year, the domestic life insurance company funds, the use of rate of return of 2.54% over the same period last year dropped 0.87 percentage points. And the corresponding decline in investment income is, insurance companies, but in 2002, operating expenses showed a general increase in trend. A lot of the insurance industry have said that this year the insurance will not be high dividend distribution of dividends. Well, since bank-insurance cooperation, why do the two parties say different? For the sales of insurance products, banking is how to manage it?
Dividends in 2002 can not do without banks selling insurance. Banks sell insurance in this deal with bank-insurance benefit both sides. Insurance premium income increased, the banks get the middle business income. But now the bank insurance sales agent dividends when, there was a misleading and bias, one-sided amplification investment function, ignoring the insurance support functions. Is not selling insurance than the pull-savings for banks is more cost-effective? A commercial bank accepted the reporters.
When a reporter at the China Merchants Bank Beijing Branch to see the personal banking department general manager of the party's Hidetoshi when he was dealing with an insurance business dividends. In April 2002, the China Merchants Bank Personal Banking Department began consignment dividends, insurance, insurance, sales agent for the banks involved in the business, the party show Litan words, when the two agencies for co-operation is amenable to the idea of.
He said: "We should say that we are locking customers, and create more revenue for the common goal."
Reporter major banks survey also found that the bank staff's enthusiasm for publicity than pull the insurance savings, and some are even derogatory savings and carry insurance, like that is in someone else's hammer smashing your reputation. The Central University of Finance and Professor Hao that the turnover of banks but also from an insurance policy for each business to the insurance companies charge 2% to 3% of the fee, the sales agent of insurance business, banks should actually be called his own account clear.
Increase in the variety of businesses, but also received agency fees, stable customers, as of 2002, the nationwide commercial banks, sales agent for various types of dividends, insurance, life insurance accounted for 17.1%. But no one has noted that banks selling insurance, it will be misleading, are not standard behavior. Even today, the various banks to sell insurance agency in charge of personnel aware of the dangers of this issue.
Toshihide the party, said: "The main or the credibility of the loss. We are introducing dividend insurance to customers, can not cover everything, all issues of concern to customers are explained in detail, so inevitably there are deficiencies, we are constantly working to improve."
Jin Liang at China Merchants Bank Beijing Branch Personal Business Unit, responsible for dividend insurance, for insurance on bank dividends today, the potential reputation risk, she summed up the reason for the staff of professional training, and she also told reporters that the current nationwide Large banks have already begun to strengthen the training staff to sell insurance, as the bank staff to sell insurance is not a professional performance, has become a banking agent insurance the biggest problem.
"Insurance products, operational risk even greater. Because its terms of insurance requirements are more, some people think that the more convoluted terms, trouble do not understand, which may be explained because we are not in place at all."
At present, insurance sales agent bonuses, banks and business people do not have mandatory insurance practitioners must have accreditation, they can sell insurance only because the bank institutional proxy qualifications. Although the phenomenon of the insurance companies, and China Insurance Regulatory Commission approval of the recognition, but in specific business operations, or the emergence of both insurance companies and banks are unwilling to happen. But the banks on this issue, the attitude is very clear.
Hidetoshi the party, said: "Economic aspects of risk is still borne by the insurance company. After all, funded by the insurance companies to operate. Banking is just a sales agent channel, certainly can not afford the risk of dividend. For example, 5% is 4% not to the dividends, and to get the banks to assume the risk is not objective. "
At present the major banks have dividend insurance sales agent training, more than the business itself, the importance attached to journalists in Beijing, when asked several commercial banks, the banking sector who believe that the market will be more standardized, the business will be more prosperous.
China's financial management system has been insisting separate operation, banks and insurance companies perform their duties. Since 2000, insurance sales agent of domestic banks developed rapidly in 2002, the country's commercial banks sell life insurance agent life insurance premium income accounted for 17.1% of premium income, has become the field of life insurance and individual marketing, corporate sales tied for the third Great sales channels. During the interview, some residents told reporters that the high degree of bank credit to the bank to pay insurance premiums more realistic, and bank outlets more than the insurance companies, policyholders nearest Contributions is very convenient. And domestic, as the banks insurance agency in the international community is very common, some European and American countries, banks insurance agency in the whole insurance market share as high as 60%.
