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Success in the south

机译：南方的成功

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摘要

Only a few countries seem suited to bancassurance, as combinations of banks and insurers are known. It is booming in Italy and Spain, and works well in France and the Benelux countries. But it has never taken off in Britain, Europe's biggest insurance market. It has had little success in Germany, although Allianz, the country's largest insurer, hopes that its purchase of Dresdner Bank in 2001 might yet break the mould. In Switzerland, Credit Suisse has had to pump billions of francs into its insurance subsidiary, Winterthur. Nor has bancassurance caught on in the United States, though that is partly because of the country's regulatory history. In theory, the cross-selling of banking and insurance products ought to bring economies of scale, synergies and higher revenues. Banks bag extra fees from selling insurance through their branches, while insurers benefit from a rise in volume. So why has it worked only in certain places? And why, in particular, in Italy and Spain?
机译：由于银行和保险公司的组合是众所周知的，因此只有少数几个国家似乎适合银行保险。它在意大利和西班牙蓬勃发展，在法国和比荷卢经济联盟国家中表现良好。但是，在欧洲最大的保险市场英国，它从未起飞。尽管德国最大的保险公司安联集团（Allianz）希望2001年收购德累斯顿银行（Dresdner Bank）可能会打破这一局面，但它在德国收效甚微。在瑞士，瑞士信贷不得不向其保险子公司温特图尔注资数十亿瑞士法郎。银行保险也没有在美国流行，尽管部分原因是该国的监管历史。从理论上讲，银行和保险产品的交叉销售应该带来规模经济，协同效应和更高的收入。银行通过分支机构出售保险获得了额外的费用，而保险公司则受益于交易量的增加。那么，为什么它只在某些地方起作用？又为什么特别在意大利和西班牙？

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