First, from the bank itself 1. Profit reasons. Banks' profit sources can be realized not only by the difference between deposits and loans, but through multiple channels. For example, selling insurance, funds and gold. Make profits for others. 2. Customer churn. It turns out that the average asset value of customers is not enough, and ordinary people will save normally. But with the rapid economic growth, our money is constantly refreshing. The customer will consider that I need to buy an insurance policy to protect it, and then he will go to other insurance companies to buy it, and the funds will drain from the bank. 3. Operate separately. China implements separate management mode. Different financial institutions need different financial licenses. It is of course reasonable and compliant for insurance to issue on behalf of banks.
Second, starting with depositors, 1. More conducive to the implementation of asset management. For example, if a customer has 1 10,000, it is impossible to save all the money regularly, so he needs to do some asset planning. For example, he can buy 30 thousand insurance, 50 thousand fund and 500 thousand financial management. He can borrow different financial instruments to achieve different investment purposes and effects. Instead of looking for insurance companies, fund companies and financial planners, they can help him plan asset management.
The last thing I want to say is that because banks are not qualified to produce insurance, they only sell it on a commission basis. Consignment is an intermediate business among several major businesses of banks, and profits account for a high proportion in banks. To put it bluntly, the bank sells insurance on a commission basis for this profit. It is not the bank staff who sell insurance to you in the bank, but the employees of the insurance company who settle in the bank.