银保业务利益分配机制存在的问题及对策研究

银保业务的利益分配机制主要是指在销售保险产品的过程所产生的利益如何在银行和保险公司以及银行内部相关员工之间的分配模式。然而现实市场环境下却因为各种各样的原因使得这一分配模式始终没有达到最佳的状态,不仅如此,还随着时间的发展衍生出越来越多的问题,鉴于此,我们有必要就这一问题展开相关思考和探讨,同时针对现实存在的问题提出改进建议。

The interests distribution mechanism of bank insurance business is the main means in the sales of insurance products produced in the process of interest to banks and insurance companies and banks internal staff allocation mode. However, under the real market environment, because of various reasons, this distribution pattern did not reach the best state; Moreover, along with the time development more and more problems occured. In view of this, it is necessary to discuss and think, and proposes about these problems, some feasible suggestions for improvement.