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个险换挡,银保重回险企战略视野,麦肯锡详解全球视野下的万亿银保突围路


渠道换挡升级,银保业务重回险企战略视野
  监管全面推动保险业回归保障本源,各大保险公司加大力度转型。2013~2016年,大资管行业“监管套利、多层嵌套、隐性刚兑”等现象频发,国内险企保费收入一大部分来自“短期限、低价值、假保障”的“投资型保险”,该类保险产品市场份额三年间扩张了约50%。劣币驱逐良币效应导致个别激进保险公司带动银保渠道向畸形发展,以高收益、高费用换取银行渠道资源。
  2017年银保监会释放强监管信号,出台了一系列以“破刚兑、控分级、降杠杆、提门槛、禁资金池、除嵌套、去通道”为核心的资管新规,旨在遏制保险行业投资型产品的无序增长势头,推动发展保障型产品。与此同时,银保监会通过规范经代网销渠道发展秩序,引导保险行业回归“保障”本源。
  监管环境正本清源� ....

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