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Bank Distribution of Insurance Products
出版C.D. Howe Institute, 1996
主題Business & Economics / Insurance / General
ISBN088806392X9780888063922
URLhttp://books.google.com.hk/books?id=PkEUAQAAMAAJ&hl=&source=gbs_api
註釋A controversial aspect of proposed changes to regulations for the financial services industry in Canada is the proposal to allow banks to distribute insurance products. This publication provides an economic analysis of the forces that have brought the banks and insurance companies into direct competition. It reviews the state of the insurance industry in Canada, assesses potential costs of bank sales of insurance, examines whether the banks have a genuine economic advantage in insurance distribution, and discusses the benefits to consumers of the above proposal. Evidence is presented on consumer benefits and impact on the insurance industry from countries where banks are permitted to distribute insurance products (Europe, United States, Australia, New Zealand). Finally, policy questions facing Canadian legislators are addressed.