My first job after graduating from college was Ping 'an, China, and I also worked as a bancassurance. But the treatment given by Ping An is better than that given by life insurance. Basic salary 1000, subsidy 120 yuan, plus commission. That's what Ping An's interviewer said at the beginning. My main task is not to attract customers, but to get on well with the bank staff. The bank will take the initiative to help me attract customers. What about this? This is not all a bluff. Bancassurance is a cooperative relationship between insurance companies and banks. Insurance companies use the bank's existing online shop to develop their business, that is, send people to the designated outlets of the bank. Some bank depositors' financial needs can also be realized through insurance, and then the bank will introduce such customers to the resident staff of the insurance company. If such a policy is finally made, then the insurance company needs to give the bank a certain rebate as a reward according to the premium. Theoretically, this is the case with bancassurance.

But at present, the insurance industry in China is very chaotic, especially bancassurance. After all, not every depositor's financial needs can be realized through insurance. In reality, it is not uncommon for banks to use the people's inherent trust in banks to deliberately fool customers into buying insurance in order to return commissions. For example, the resident staff of insurance companies usually wear work clothes that are very similar to those of banks. If ordinary people don't look at the company emblem and other details carefully, it is easy to mistake the resident staff of bancassurance for bank employees. In addition, the so-called "deposit-to-insurance" is the most popular sales phrase used by bank insurers, and the concepts of "principal" and "interest" are used to describe insurance, which is a serious fraud and banks often turn a blind eye to it; Once customers find out that they have been cheated, banks often kick the ball with insurance companies. This year, Tianjin Postal Savings Bank was severely punished by the China Banking Regulatory Commission and the China Insurance Regulatory Commission for its chaotic bancassurance business and serious fraud of customers. In our news, it is also reported that old people often go to the bank to save money to buy insurance because of the so-called "high interest rate" of bank insurance personnel.

Personally, if you can't find a suitable job, it doesn't matter if you try. That's why I went to the interview safely. However, the insurance industry in China is really chaotic and the water is deep, which is not a long-term solution. Making money by fooling others is unconscionable money.