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Bancassurance - present and future


  • Dobrin, Marinica

    () (Universitatea Spiru Haret, Facultatea de Finante si Banci)


The concept of bancassurance has French origin but can be seen in German as Allfinanz and in English as Financial Services. The emergence of bancassurance concept can not be primarily attributed to any banks or insurance institutions. Approaching the two sectors was due to mutations occurring in the supply and demand of financial services. Convergence bankers and insurers to common platforms are determined for each country's local, and influence supervisors and reforms at the central level. Enlargement of the Euro and the proliferation of distribution channels with the Internet as a catalyst, causes pressure on the selling price of financial services. Thus, the combination of banks and insurance companies aimed primarily reducing costs and making activities. In the future there will not insurance companies or banks, but only unit complex to deal with the sale of financial products to customer needs. A step in strengthening relations between the two entities is the bancassurance which is one of the most effective ways of attraction and loyalty of customers, said Peter Schmidt, Event Producer of the Conference The Future of bancassurance, the Assurbanking & Affinity Business, place between 25-26 September 2008 in Prague.

Suggested Citation

  • Dobrin, Marinica, 2009. "Bancassurance - present and future," Papers 2009/33, Osterreichish-Rumanischer Akademischer Verein.
  • Handle: RePEc:ris:sphedp:2009_033

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    Bancassurance; Financial integrated services; TAR system; Joint Ventures; Insurance Company; Holding; In-house banking; Loan portfolio; Life and non-life insurance; Bank deposits;

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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