bancassurance

简明释义

英[ˈbæŋkəˌʃɔːrəns]美[ˌbæŋkəˈʃɔrəns]

n. 银行保险；银行保险业

英英释义

单词用法

同义词

反义词

例句

1.Moreover, China's trust industry has long been operating collective dislocation, has been pursuing "a high degree of the Bank of bancassurance", resulting in the industry seriously deficient.

而且中国信托业长期以来集体错位经营，一直推行“高度银行化的混业经营模式”，致使本业严重缺位。

2.In 2008, the bancassurance of Taiping Life began to implement the professional growth strategy.

2008年，太平人寿银行保险(简称“太平银保”)开始实施专业化战略。

3.Commercial Banks that operate the bancassurance business shall follow the principles of openness, equity and fairness, and fully protect the interests of clients.

商业银行开展代理保险业务，应当遵循公开、公平、公正的原则，充分保护客户利益。

4.Bancassurance, a high banking service combined products of Banks and insurance companies, is the solution to meet client's need for banking service and insurance.

银行保险实质是整合了商业银行服务和保险公司产品的高级银行服务，是一种满足客户银行和保险需求的组合解决方案。

5.So, a opposite integrity management systems of bancassurance marketing channel coming into being.

由此，形成一个相对完整的银行保险营销渠道管理体系。

6.We explored the pricing problem in bancassurance cooperation by firstly introducing the Nash Bargaining model to determine the bank's commission.

本文主要研究了银保合作定价问题，首次引入纳什议价模型来制定银行代理费用。

7.The partnership between banks and insurance companies is often referred to as bancassurance.

银行与保险公司之间的合作通常被称为银行保险。

8.Many banks are expanding their services to include bancassurance, which combines banking and insurance.

许多银行正在扩展其服务，包括银行保险，即将银行和保险结合在一起。

9.With the introduction of bancassurance, customers can manage both their banking and insurance needs in one place.

随着银行保险的引入，客户可以在一个地方管理他们的银行和保险需求。

10.Through bancassurance, financial institutions can offer a wider range of products to their clients.

通过银行保险，金融机构可以向客户提供更广泛的产品。

11.The rise of bancassurance has made it easier for customers to purchase insurance products directly from their bank.

银行保险的兴起使得客户能够更方便地直接从银行购买保险产品。

作文

In today's rapidly evolving financial landscape, the term bancassurance refers to the partnership between banks and insurance companies, allowing these institutions to offer combined financial services to their clients. This innovative approach has gained significant traction over the years, as it provides customers with a one-stop solution for both banking and insurance needs. The concept of bancassurance emerged in the late 20th century, primarily in Europe, and has since expanded globally, adapting to various markets and consumer preferences.One of the primary advantages of bancassurance is the convenience it offers to customers. Instead of visiting multiple institutions to manage their finances, clients can access a range of products and services under one roof. For instance, a customer can open a savings account at their bank while simultaneously purchasing life insurance or health coverage. This seamless integration not only saves time but also simplifies the decision-making process for consumers who may feel overwhelmed by the plethora of options available in the market.Moreover, bancassurance creates a win-win situation for both banks and insurance companies. Banks benefit from additional revenue streams through commissions and fees associated with selling insurance products, while insurance companies gain access to a broader customer base. This collaboration allows for cross-selling opportunities, where banks can promote insurance products to their existing clientele, enhancing customer loyalty and retention.However, the success of bancassurance is not without its challenges. One significant hurdle is the need for effective communication and cooperation between banks and insurance providers. Both parties must align their goals and strategies to ensure a smooth integration of services. Additionally, training staff to understand and sell insurance products is crucial, as many bank employees may lack the necessary knowledge and expertise in this area.Furthermore, regulatory compliance poses another challenge in the bancassurance model. Different countries have varying regulations regarding the sale of insurance products, which can complicate operations for banks and insurers operating in multiple jurisdictions. It is essential for these institutions to navigate the legal landscape carefully to avoid potential penalties and maintain customer trust.Despite these challenges, the future of bancassurance looks promising. With the rise of digital banking and fintech innovations, the integration of banking and insurance services is becoming more streamlined. Customers are increasingly seeking personalized financial solutions, and bancassurance offers the flexibility to meet these evolving demands. As technology continues to advance, it is likely that we will see even more innovative products and services emerging from this partnership.In conclusion, bancassurance represents a significant shift in how financial services are delivered to consumers. By combining banking and insurance offerings, this model enhances customer convenience, creates new revenue opportunities, and fosters collaboration between two essential sectors of the financial industry. As both banks and insurance companies adapt to the changing landscape, the potential for growth and innovation within the bancassurance framework is immense, making it an exciting area to watch in the coming years.

在当今快速发展的金融环境中，术语bancassurance指的是银行与保险公司之间的合作，使这些机构能够为客户提供综合的金融服务。这种创新的方法近年来得到了显著的关注，因为它为客户提供了一站式解决方案，满足他们的银行和保险需求。bancassurance的概念出现在20世纪末，主要在欧洲，随后扩展到全球，适应各种市场和消费者偏好。bancassurance的主要优势之一是为客户提供的便利。客户不必访问多个机构来管理他们的财务，而可以在一个地方访问一系列产品和服务。例如，客户可以在银行开设储蓄账户，同时购买人寿保险或健康保障。这种无缝的整合不仅节省了时间，还简化了消费者的决策过程，因为他们可能会被市场上众多的选择所淹没。此外，bancassurance为银行和保险公司创造了双赢的局面。银行通过与销售保险产品相关的佣金和费用获得额外的收入来源，而保险公司则获得更广泛的客户基础。这种合作关系允许交叉销售的机会，银行可以向现有客户推广保险产品，从而增强客户忠诚度和留存率。然而，bancassurance的成功并非没有挑战。一个重要的障碍是银行与保险提供商之间有效沟通与合作的需求。双方必须对其目标和策略进行协调，以确保服务的顺利整合。此外，培训员工以理解和销售保险产品至关重要，因为许多银行员工可能缺乏必要的知识和专业技能。此外，合规性监管也是bancassurance模式中的另一个挑战。不同国家对保险产品的销售有不同的规定，这可能会使在多个司法管辖区内运营的银行和保险公司面临复杂的操作问题。这些机构必须仔细应对法律环境，以避免潜在的处罚并维护客户信任。尽管存在这些挑战，bancassurance的未来看起来仍然充满希望。随着数字银行和金融科技创新的兴起，银行和保险服务的整合变得更加流畅。客户越来越寻求个性化的金融解决方案，而bancassurance提供了满足这些不断变化的需求的灵活性。随着技术的不断进步，我们可能会看到这一合作关系中涌现出更多创新的产品和服务。总之，bancassurance代表了金融服务交付给消费者的重要转变。通过结合银行和保险产品，这一模式提高了客户便利性，创造了新的收入机会，并促进了金融行业两个重要部门之间的合作。随着银行和保险公司适应不断变化的环境，bancassurance框架内的增长和创新潜力巨大，使其在未来几年成为一个令人兴奋的观察领域。