走进任何一家银行网点,理财经理推荐的或许不再是传统的存款产品,而是各类保险产品。这种转变的背后,是银行业面临的前所未有的盈利压力。2024年上半年,全国商业银行净息差已降至1.54%的历史低位,较2021年底的2.08%大幅下滑。在这种背景下,银保渠道保费收入却呈现爆发式增长——今年前三季度,部分银行卖保险收入已超过去年全年。四大保险公司银保渠道新单保费同比增长超100%,这场"保险盛宴"折射出...
Source Link走进任何一家银行网点,理财经理推荐的或许不再是传统的存款产品,而是各类保险产品。这种转变的背后,是银行业面临的前所未有的盈利压力。2024年上半年,全国商业银行净息差已降至1.54%的历史低位,较2021年底的2.08%大幅下滑。在这种背景下,银保渠道保费收入却呈现爆发式增长——今年前三季度,部分银行卖保险收入已超过去年全年。四大保险公司银保渠道新单保费同比增长超100%,这场"保险盛宴"折射出...
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