试论开发适合银行销售的保险产品

How to Develop Insurance Products Suit to be Sold in Commercial Bank

在银行保险业务中,开发适合银行销售的保险产品是一个关键问题,这也是目前我国银行保险发展过程中急需解决的重要问题之一。要做好产品开发的工作,需要银行和保险公司双方的共同努力,一方面巩固分红险和投资连结险的市场,另一方面要重点开发与银行业务相联系的保险产品,同时也要做好产品开发前的市场细分工作和开发后的营销工作,这样才能开发出能够满足客户需求的保险产品,才能使银行和保险公司的合作达到“双赢”。

Developing some insurance products which suit to be sold in the commercial bank is essential and urgent to accelerate the development of our country' s bancinsurance business. To solve this problem , the insur- ance companies and commercial banks should further strongthen their cooperation . This cooperation is not only aimed at solidating the current market, more importantly, it is aimed at developing some new insurance products according to the special feature of the commercial banks' business. At the same time, market analysis before prod- uct - developing and marketing planning after product - developing is also important to the bancinsurance business. The insurance company and commercial bank must be benefited from this business, through making great efforts to develop products to meet the demands of customers.