129836519511250000_108Foreign banks to sell insurance: only joint venture flagship high-end insurance and enterprise customers
When you step into the foreign bank counters, you rarely find in Chinese Bank insurance products often, foreign banks not to sell insurance? In fact foreign line began in 2004 for sale in insurance, since January of this year, there are 5 foreign branches in Guangdong and business insurance agent award, but is different from the banks, foreign banks selling insurance will not be placed on the counter. Standard CharteredZhuang Yaonan Banking Department of banking and insurance banking and insurance Director for the China, "said foreign banks focusing on different, tailored for high-end clients, through insurance schemes, although the sale of higher premiums than Chinese, but its main asset allocation. "As with other peers, Standard Chartered Bank cooperate with joint venture insurance company only. Because of this pattern can fetch a good price, it is part of the joint venture insurance companyGel, Chinese banks and insurance sales model to learn from foreign banks. It is learnt that some capital to continuously enhance financial centre private bank in construction, gradually raise the level of customer service and ability to satisfy customer needs even further by. Basic only foreign joint venture insurance companies in East Asia Guangzhou one staff member said
Diablo 3 power leveling, compared to, funds and financial products business, insurance productsSmall business income. "Foreign investment accounted for only around 5% in the banking sector, business income can hardly compare with Chinese. Insurance product revenues are significantly less. "The staff said, even though the Bank has specialized banks and insurance salespeople, not much but Basic. South reporter found, HSBC, Hang Seng Bank and Standard Chartered Bank, foreign bank select cooperationStandard insurance company was almost unanimous. HSBC said, "when you choose insurance partner has been very carefully, not only take full account of each other's capital, solvency, risk management and control capacity, subject to punishment, while reasonably determine the cooperation scope and number of objects. "Zhuang Yaonan believes that this is the foreign row selection standard for cooperative insurance, with business,Standard Chartered Bank recently being considered with some Chinese companies do. Analysts believe that the select joint venture foreign insurance companies, are actually due to joint-venture insurance company Rob disadvantage on the Chinese channel. But as the demand pressure on premium growth of the joint venture, joint venture insurance especially important in the development of channels of banking and insurance. Banking and insurance are important means to determine its premium growth.In fact, the channels of banking and insurance joint venture insurance company overall premium income still accounted for around 60%. HSBC life total in 2010 and 2011, respectively $ 118.35 million and $, Bank and insurance company and 84.9 per cent, respectively. HSBC life in 2010 and 2011 annual report information displayed, 2010 by banks and industryChannels of premium income as $ 99.52 million, 2011 soared to $ 25.68 million, more than twice times. On their personal business in 2010 and 2011, respectively $ 14.34 million and $ employees direct sales channel minimum. It is reported that HSBC, Standard Chartered and HSBC life now with Bank of cooperation. Demand for this kind of cooperation is increasing. -InChinese insurance companies are gradually expanding cooperation with Chinese banks. According to statistics, in cooperation with Metropolitan life insurance Investment Bank China Merchants Bank, Minsheng Bank, Industrial Bank, Shanghai Pudong Development Bank, Bank, Bank of Dongguan, Guangzhou; cooperation with the cosmopolitan life of foreign-funded banks including Citibank, Standard Chartered Bank, Hang Seng Bank, ANZ Bank, Bank of East Asia, DBS Bank.Foreign investment flagship wealth customers "we will need to provide the right kind of insurance scheme such as life, health security, education security, and protection of family assets. "Zhuang Yaonan said Standard Chartered Bank services customers primarily in terms of asset allocation considerations, target populations are high net worth individuals, even as the human-tailored products. Southern reporter from the HSBC networkStation was informed that "different is not the same as the range of outlets selling insurance products, and some of the insurance program for HSBC Premier banking customers only. "In fact, the position of foreign and joint-venture companies consistent with the development policy. German Allianz have said in the 2011 annual report, broken down by deep silver market, following extensive research banking customer needs discovery, richWealth-and for those who risk becoming increasingly mature and begin to pay more attention "security prevention investments risks" and "how to pass to the next generation of wealth". Cooperation with domestic and foreign Metropolitan life insurance also said, customers of foreign banks with international advanced management experience in financial management, brought many new ideas, new concepts at home. Foreign row attentionFinancial services, seated service can meet the customer demand. "We only paid products, not fans of. "Zhuang Yaonan said
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Diablo 3 gold, tailor, insurance premiums will be higher than that of Chinese products. However, it has been part of the joint venture Bank said, Chinese banks operating in China for a long time, networks, customer number, between the customer and a variety of service opportunities. Chinese silverPay attention to financial services for about 10 years, and in recent years, China's increasing financial center construction of private banks, gradually raise the level of customer service and ability to satisfy customer needs even further by. 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