客户角度下的最优选择：银行与保险公司联盟陶晓娟[文献翻译]_精品.docVIP

外文题目： A Customer View on the Most Preferred Alliance Structure between Banks and Insurance Structure 出 处： Zeitschrift für Betriebswirtschaft 作 者：Pekka Korhonen, Lasse Koskinen and Raimo Voutilainen 原 文： Overview In this paper, we have studied alternative alliance structures between banks and insurance companies from the point of view of Finnish customer representatives. Seven criteria were introduced for the evaluation of six alternative structure models for such alliances. The evaluation was carried out by an expert panel consisting of customer representatives. As a supporting tool, we used the Analytic Hierarchy Process (AHP).The alliance models based on plain cross-selling agreements were considered most preferred. We also studied how familiar the customer representatives were with the alliance problem from the point of view of the bank and insurance executives and that of the supervisory authorities. We observed that the customer representatives did not recognize the problem as well from the point of view of the supervisors as that of the executives. In addition,it was interesting to note that the customer representatives did not consider a risk aspect in the control by ownership alternatives as critical as the executives. Comparing the results in this study to our previous studies, we may conclude that the best compromise model from all three points of view could be the financial conglomerate on the condition that certain supervisory and customer criteria are satisfied to a sufficient degree. A. Introduction Alliance formation in the financial industry has been a growing trend during the last decade.Insurers in an alliance between banks and insurance companies are most often life insurance companies, but also non-life companies can be found. Financial alliances often include units like mutual fund managing companies, asset management