Моделі взаємодії банків і страхових компаній

Abstract

У статті розглянуто передумови взаємодії банків і страхових компаній та охарактеризовано різновиди і властивості такої взаємодії. Досліджено особливості розвитку моделі банкострахування в Європі, США та Україні. Виявлено різновиди та форми взаємодії банків і страхових компаній. Сформульовано основні вимоги до реалізації спільних банківсько-страхових продуктів. Охарактеризовано перспективи активізації банківсько-страхової моделі функціонування економічних агентів. Ключові слова: банкострахування, моделі взаємодії банків і страхових компаній, співробітництво, бан-ківсько-страхова модель, фінансова послуга.

Today, the consumer of financial services becomes more demanding and tends to individualization ap-proaches in its operation and the selection of financial products. The reaction of producers and sellers of fi-nancial products is a combination of customer and market requirements through the convergence of vari-ous industries. The desire of insurance companies and banking institutions to enhance cooperation and out-reach to potential client base is no exception. The aim of the article is to study the specifics of the banking and insurance model in Europe, the USA and Ukraine, the allocation of its models and shapes, and the formulation of the main requirements for the im-plementation of joint banking and insurance products. Varieties and forms of interaction between banks and insurance companies are identified. Signs of inter-action between banks and insurance companies are: 1) two-sided nature, since the interaction acts both as a process and as a state; 2) the dynamic nature of the process, which is evidence of the existence of its evolu-tionary development; 3) integration as a perfect form of interaction. Features of development of the bancassur-ance model in Europe, the USA and Ukraine are inves-tigated. Basic requirements for the implementation of joint banking and insurance products are formulated. They are: apprehensibility and availability; transparency in terms of making insurance payments; simplicity and ease of underwriting; minimal additional description for the client and the front-office employees of the bank. The four main forms of interaction and cooperation between banks and insurance companies are allocated. They are: agency relations, equity investments, cus-tomer relationships and integration. It is proven that the banking and insurance model of the economic agents is beneficial to both parties and is determined by market conditions, which, in turn, de-termines the structure of such a model. In modern con-ditions the interaction of banks and insurance compa-nies is rapidly expanding. Accordingly it is possible to predict the extension of this trend in the short and me-dium term. Keywords: bancassurance, models of interaction between banks and insurance companies, cooperation, bank-insurance model, financial services.