We China people have always believed and trusted in the concept of banks, because banks are state-owned enterprises in our minds and endorsed by the state, and we have very high trust in the national government, state power and party and government. Therefore, when we go to the bank to handle all kinds of business, we all believe and obey, and treat the banking system with such a mentality. However, in many banks, we see that some salesmen will sell us a series of products related to our money, such as insurance, funds, large wealth management and so on, especially in some small banks.

Let's take the case of the Postal Savings Bank as an example to tell you why the Postal Savings Bank desperately sells insurance.

First, a bank is just a financial institution.

In fact, the positioning of a bank is also a financial institution, which deposits money and lends money, one is called deposit, and the other is called lending, so as to earn the interest margin in the middle. In this process, banks have also produced a lot of businesses, such as peer lending and credit loans. There are also banking services for enterprises: checks, money orders and a series of financial services. It has also become a sales channel for major financial institutions, and fund companies will entrust banks to help sell fund products. Of course, insurance companies will also entrust banks to sell insurance products. Everyone knows that the commission of insurance is very high, and 3% to 5% is normal.

For example, if a bank lends out 1 million yuan, the profit it makes is only five points, six points, and only 5, yuan or 6, yuan. If it sells 1 million yuan of insurance, the bank can make 3, to 5, yuan. So banks are willing to represent insurance companies' products. As a result, we saw bank personnel vigorously promoting insurance products to our depositors.

Second, performance appraisal

When the profit of a bank is low, the bank will strengthen the performance appraisal of its employees in order to improve the profit. For example, when all employees are required to collect a certain amount of money every month, how much insurance should be sold in addition, so as to get how much bonus. For example, you deposit 1 million yuan every month. You have to sell another 1 thousand yuan of insurance to give you a 2 thousand commission The formation of such additional conditions has created bank employees to sell insurance desperately.

Third, the insurance company will give you extra rewards

Once the insurance company receives your insurance money, it will have a long-term lock-up and even require you to pay every year. Therefore, according to the amount paid in the first year, the insurance company will not only give the bank a large channel commission. The insurance company will also give some rewards to individuals. This has further promoted the enthusiasm of everyone in the bank and given some rewards on top of the banking system, which has a better effect on market promotion and market promotion.

Fourth, employees in banks, especially financial consultants, are completely in the form of sales. In fact, they want to improve their financial knowledge and ability in an all-round way. In addition to the credit sector, it is more important for them to have a insurance qualifications certificate and then sell insurance, which is an important aspect of improving their ability. In fact, selling insurance in a bank is a basic skill and operational knowledge possessed by an employee.

To sum up: Why is it that only the Postal Savings Bank works harder to sell insurance? This is because the Postal Savings Bank is very young in the banking industry and has the largest number of outlets, resulting in the current situation, chaotic management and very poor profitability. Therefore, in order to improve its performance, it is easy for the Postal Savings Bank to find the most profitable financial products and let all the outlet sales staff sell them. Forcing a lot of salespeople to buy insurance at all costs, and even cajoling many depositors.