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據報內地擬削銀保渠道手續費超過六成
《每日經濟新聞》引述消息報道,內地監管當局擬將對銀行渠道保險的保險手續費率進行下調,可能會由目前的40%下降至14%,降幅超過六成,預計將在9月底作出調整,料對銀行中間手續費收入產生很大影響。 據悉,銀保渠道一直都是保司保險業務銷售的主要管道之一,其主要合作模式為保險公司透過銀行管道獲取保費收入和客戶資源,銀行基於龐大的客戶資源和完善的銷售網絡替保險公司銷售保險產品,從而取得手續費和佣金收入以及完善客戶的理財產品配置。不同於個險,銀保屬於代銷渠道。然而,銀保渠道銷售模式粗放及費用競爭激烈等問題,一直為業界所詬病。
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