Core Viewpoint - Digital technologies represented by big data and artificial intelligence are profoundly reshaping the financial industry, with data becoming a core driver of high-quality development. The aging population in China is increasing the demand for pension finance and high-quality pension services, prompting banks and insurance institutions to explore new paths in pension services and wealth management through data sharing and ecological collaboration [2]. Group 1: Reasons for Deepening Bank-Insurance Cooperation - The cooperation model between banks and insurance companies is becoming increasingly close, with many large banks establishing their own insurance companies and large insurance firms strategically investing in commercial banks, enhancing cooperation while achieving good returns [4]. - The foundation for cooperation is more solid, as insurance distribution is a crucial part of banks' non-interest income, helping alleviate the pressure from narrowing net interest margins. Insurance products are essential for banks to develop comprehensive financial services and meet customer needs in risk protection and wealth transfer [4]. - The cooperation ecosystem is significantly improving, with the implementation of the "bank-insurance integration" policy accelerating the deep transformation of bank-insurance business. The focus is shifting from fee-driven dependence to a value co-creation model centered on customer service [4]. Group 2: Trends in Bank-Insurance Cooperation - The status of bank-insurance channels will be redefined, with bank-insurance new single premiums accounting for 64% of the industry’s new single premiums in the first half of the year, expected to approach 70% by year-end, establishing a bank-insurance dominant channel structure [6]. - Complex insurance products will occupy a larger share, as the aging population and declining interest rates lead to more conservative risk and investment preferences among bank customers, increasing demand for guaranteed income long-term savings products and protection products related to pensions, health, and accidents [6]. - Ecological services will play a more important role, with the "bank-insurance integration" policy highlighting the importance of additional services. The entity with more service scenarios and better service quality will attract more customer flow and enhance customer loyalty [6]. - Technology will empower the entire operational chain of bank-insurance cooperation, with rapid advancements in big data and artificial intelligence reshaping operational processes and enhancing data connectivity, enabling precise marketing, team management, customer service, and compliance risk control [6].
大家保险集团总经理孙先亮：银行保险构建深层次战略协同 合作潜力不断释放 ｜银行与保险
清华金融评论·2025-09-29 11:36