IDEAS home Printed from
MyIDEAS: Log in (now much improved!) to save this article

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.

    If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

    File URL:
    Download Restriction: no

    Article provided by University of Pitesti in its journal Scientific Bulletin - Economic Sciences.

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

    in new window

    Handle: RePEc:pts:journl:y:2012:i:special:p:54-62
    Contact details of provider: Web page:

    More information through EDIRC

    No references listed on IDEAS
    You can help add them by filling out this form.

    This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

    When requesting a correction, please mention this item's handle: RePEc:pts:journl:y:2012:i:special:p:54-62. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Logica Banica)

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If references are entirely missing, you can add them using this form.

    If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.