Banks refuse to sell insurance policies to pay period Bancassurance different heart

Jian Guanceng urged the Bank of security products to the payment period of transition, the bank charges on the low side because of the agent refused to pay the policy period, making a lot of products that can not pay a sales period. The industry believes that this situation is a result of Bancassurance in the bank in a position of strength.

In the period of payment of insurance products to the transition, some insurance companies have recently introduced three years or five years, the 10-year period of payment products. It is understood from the wholesale banking products as long as one-time payment of fees collected in the period of payment products, you need to be charged in stages.

"Some commercial banks and even in the negotiations made it clear that unless the insurance company to pay the guarantee period of insurance products each year to the bank's wholesale and agent fees to pay the same insurance products that may pay-agent period of insurance products." The source told reporters, "In fact, during the year, wholesale insurance products, fee-paying nearly a view to pay the fee-based insurance products 300-500 percent," even if the current period to pay the highest proportion of fees paid To banks, insurance companies can not meet the requirements of banks.

Banks and Insurance Companies engaged in a business of insurance companies said, "the bank to open such a condition that can only, at the annual performance evaluation under pressure from the bank only in this way to shift risk."

Right now, as banks and insurance companies pay product fees in the period of stalemate on the issue, making full preparations for the introduction of insurance products that pay period, the bank's deputy in trouble. At present, even if the Bank of security in the market become known as "pay period," the name of insurance products has also been a face-lift for the payment of wholesale products, and real products, but had to pay a view "to be the word of women's apartment."

"I think that to resolve the deadlock, or simply to change the existing Bancassurance way." Related to a joint venture insurance company said. In his view, the insurance companies, insurance policies, the longer payment period, period to pay premium for the wholesale value of more than pay-as a view to be able to guarantee insurance policy to pay future stream of premium income, in favor of continuing to improve investment Asset size. Product delays in payment period silver in the promotion of security, or the key to the existing Bancassurance mode, the lack of insurance companies the right to speak.

The people who believe that cooperation between banks and insurance companies simply stop at the main sales agent. Bank customers rich, high-risk competition in the banking Bancassurance often take the initiative and lead to charges of trying to decide the level of cooperation. "Solve this problem, the bank can be taken to promote equity insurance co-operation. When the bank shares in, the convergence of the interests of both sides, this problem can be solved."