对商业银行发展代理保险业务的几点思考

20世纪90年代以来,国内银行业的竞争日趋激烈,传统的商业银行业务所能带来的利润空间越来越小,商业银行进入了微利时代。为寻求和扩大盈利的商机,各商业银行将目光投向了中间业务市场。发展代理保险业务不仅可以为商业银行提供可观的利润,而且还可以保障贷款资金的安全。因此,商业银行应大力开展代理保险业务。

Since 1990＇s, the competition in the local banking is gradually vigorous, the profit space of the traditional commercial banking is smaller and smaller. The commercial bank entered tiny benefit ages. In order to look for the business opportunities and extend the earnings, each commercial bank turns to intermediary business market. Developing the insurance agency business can not only provide considerable profits for the commercial bank, but also guarantee the safety of loan. Therefore, the commercial bank should open the insurance agency business.