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Bancassurance – Main Insurance Distribution And Sale Channel In Europe

Listed author(s):
  • Emilia CLIPICI

    ()

    (Faculty of Economics, University of Pitesti, Romania)

  • Catalina BOLOVAN

    (Faculty of Economics, University of Pitesti, Romania)

Registered author(s):

    Before the emergence of the crisis, banks’ incomes were preponderantly oriented towards the lending activity, which activity is unsustainable in these circumstances. With the financial crisis, banks have diversified revenues and identified the benefits of sustainable partnerships with insurance institutions (the bancassurance), achieving convergence towards common platforms. The driving factor of the bancassurance system must also be sought in the common need of banks and insurance companies to optimize the structure and efficiency of the distribution channels. Thus, if credit institutions seek to obtain additional revenue by capitalizing the potential of regional networks, initially configured based on own marketing policies, insurance companies are interested in diversifying without significant capital investment, the traditional distribution methods, so that the products and services offered have access to a large number of potential customers.

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    File URL: http://economic.upit.ro/repec/pdf/2012_3_7.pdf
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    Article provided by University of Pitesti in its journal Scientific Bulletin - Economic Sciences.

    Volume (Year): 11 (2012)
    Issue (Month): Special ()
    Pages: 54-62

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    Handle: RePEc:pts:journl:y:2012:i:special:p:54-62
    Contact details of provider: Web page: http://www.economic.upit.ro/

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