Zhong Guo Xin Wen Wang·2025-09-28 09:05Core Insights - Digital technologies, represented by big data and artificial intelligence, are profoundly reshaping the financial industry [1][2] - The collaboration between banks and insurance companies is evolving from simple product sales to comprehensive strategic cooperation across various sectors [1][2] Group 1: Trends in Bank-Insurance Cooperation - The current trends in bank-insurance cooperation include the establishment of a sales channel dominated by bank-insurance partnerships, an increase in complex insurance products, a greater role for ecological services, and the empowerment of operations through digital technology [1] - Financial institutions are facing significant challenges due to the mismatch between asset returns and liability costs in a low-interest-rate environment, but advancements in AI and growing demand for retirement services are creating new growth opportunities [1][2] Group 2: Institutional Responses and Strategies - Financial institutions are actively promoting deep integration between banking and insurance sectors, with examples from major banks like China Construction Bank and Shanghai Pudong Development Bank showcasing their innovative practices [2] - The emphasis is on transforming from selling products to providing services, enhancing asset-liability management capabilities, and improving service efficiency and customer experience through digital means [2]