{"id":1154,"date":"2025-10-17T01:54:56","date_gmt":"2025-10-17T01:54:56","guid":{"rendered":"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html"},"modified":"2025-10-17T01:54:56","modified_gmt":"2025-10-17T01:54:56","slug":"cest-quoi-banque-et-assurance","status":"publish","type":"post","link":"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html","title":{"rendered":"C&rsquo;est quoi banque et assurance ?"},"content":{"rendered":"<p>                                        <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/6MLkzsri2Ms\/hq720.jpg?sqp=-oaymwEcCOgCEMoBSFXyq4qpAw4IARUAAIhCGAFwAcABBg==&#038;rs=AOn4CLCw5zdxWEY6hk7OaQf46FtLorYsuQ\" alt=\"C'est quoi banque et assurance ?\"><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaires<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a96ea4926e71\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a96ea4926e71\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#Cest_quoi_banque_et_assurance\" >C&rsquo;est quoi banque et assurance ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#Quels_sont_les_avantages_de_lassurance_pour_la_banque\" >Quels sont les avantages de l&rsquo;assurance pour la banque ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#Comment_fonctionne_la_bancassurance\" >Comment fonctionne la bancassurance ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#Quelle_est_le_secteur_de_la_banque\" >Quelle est le secteur de la banque ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#Pourquoi_assurance_et_pas_banque\" >Pourquoi assurance et pas banque ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#Pourquoi_les_banques_vendent_de_lassurance\" >Pourquoi les banques vendent de l&rsquo;assurance ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#Comment_les_banques_vendent_de_lassurance\" >Comment les banques vendent de l&rsquo;assurance ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#Pourquoi_developper_la_bancassurance\" >Pourquoi d\u00e9velopper la bancassurance ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#What_is_bancassurance_allows_insurance_companies_to_do\" >What is bancassurance allows insurance companies to do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#What_are_the_disadvantages_of_bancassurance\" >What are the disadvantages of bancassurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#What_does_bancassurance_mean\" >What does bancassurance mean?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/cest-quoi-banque-et-assurance\/1154.html\/#Why_is_bancassurance_important\" >Why is bancassurance important?<\/a><\/li><\/ul><\/nav><\/div>\n<h3 id=\"question-0\"><span class=\"ez-toc-section\" id=\"Cest_quoi_banque_et_assurance\"><\/span>C&rsquo;est quoi banque et assurance ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Le terme bancassurance est un n\u00e9ologisme qui d\u00e9signe le fait qu&rsquo;une banque commercialise, outre les produits et services propres aux \u00e9tablissements de cr\u00e9dit, des contrats d&rsquo;assurance d&rsquo;habitude vendus exclusivement par les compagnies d&rsquo;assurance.<\/p>\n<h3 id=\"question-1\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_avantages_de_lassurance_pour_la_banque\"><\/span>Quels sont les avantages de l&rsquo;assurance pour la banque ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Distribuer de l&rsquo;assurance auto ou habitation permet \u00e9videmment de procurer des revenus suppl\u00e9mentaires aux r\u00e9seaux. C&rsquo;est aussi un moyen efficace de fid\u00e9liser davantage les clients bancaires. &#8230; ll leur est en effet facile d&rsquo;approcher un client, non assur\u00e9 chez eux, pour lui sugg\u00e9rer de changer de contrat.<\/p>\n<\/p>\n<h3 id=\"question-2\"><span class=\"ez-toc-section\" id=\"Comment_fonctionne_la_bancassurance\"><\/span>Comment fonctionne la bancassurance ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>La bancassurance est la distribution de produits d&rsquo;assurance par un r\u00e9seau bancaire&#8230;.<\/p>\n<li>L&rsquo;assureur est un gestionnaire de risques qui fournit une garantie contre les al\u00e9as de la vie.<\/li>\n<li>Il manque d&rsquo;outils d&rsquo;information et d&rsquo;analyse en mati\u00e8re de client\u00e8le.<\/li>\n<h3 id=\"question-3\"><span class=\"ez-toc-section\" id=\"Quelle_est_le_secteur_de_la_banque\"><\/span>Quelle est le secteur de la banque ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Le secteur financier est un secteur \u00e9conomique qui regroupe toutes les activit\u00e9s qui se rapportent \u00e0 la finance. Il comprend en particulier le secteur bancaire et celui de l&rsquo;assurance au point d&rsquo;\u00eatre parfois d\u00e9sign\u00e9 par \u00ab Secteur Banque Assurance \u00bb.<\/p>\n<h3 id=\"question-4\"><span class=\"ez-toc-section\" id=\"Pourquoi_assurance_et_pas_banque\"><\/span>Pourquoi assurance et pas banque ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D\u00e9sormais, les assureurs vont plus loin et ils n&rsquo;utilisent plus leur propre banque pour s&rsquo;occuper de la gestion financi\u00e8re mais tout simplement pour proposer des services financiers \u00e0 leurs assur\u00e9s. Ainsi, votre assureur remplace le r\u00f4le de votre banque et ce ph\u00e9nom\u00e8ne n&rsquo;est pas marginal.<\/p>\n<\/p>\n<h3 id=\"question-5\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_banques_vendent_de_lassurance\"><\/span>Pourquoi les banques vendent de l&rsquo;assurance ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Les \u00e9tablissements bancaires ont d\u00e9cid\u00e9 de se lancer dans la vente de produits d&rsquo; assurance auto, habitation et de compl\u00e9mentaire sant\u00e9 dans le but de g\u00e9n\u00e9rer des revenus r\u00e9currents suppl\u00e9mentaires et de faire face \u00e0 l&rsquo; \u00e9rosion de leurs marges.<\/p>\n<h3 id=\"question-6\"><span class=\"ez-toc-section\" id=\"Comment_les_banques_vendent_de_lassurance\"><\/span>Comment les banques vendent de l&rsquo;assurance ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u00abLes agences bancaires deviennent des petites agences g\u00e9n\u00e9rales d&rsquo;assurance\u00bb, affirme Cyrille Chartier-Kastler illustrant ses propos avec le r\u00e9seau Cr\u00e9dit Mutuel-Centre Est Europe-CIC dont chaque agence engrange en moyenne pr\u00e8s de 120.000 euros de commissions en contrats d&rsquo;assurance dommages, selon ses estimations.<\/p>\n<h3 id=\"question-7\"><span class=\"ez-toc-section\" id=\"Pourquoi_developper_la_bancassurance\"><\/span>Pourquoi d\u00e9velopper la bancassurance ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>La bancassurance peut \u00eatre un moyen, pour les \u00e9tablissements financiers, de limiter ce risque syst\u00e9mique car la banque diversifie ses sources de revenus et rend ainsi son activit\u00e9 plus stable et donc plus s\u00fbre aussi pour les clients.<\/p>\n<\/p>\n<h3 id=\"question-8\"><span class=\"ez-toc-section\" id=\"What_is_bancassurance_allows_insurance_companies_to_do\"><\/span>What is bancassurance allows insurance companies to do?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Bancassurance= Banks as Insurance Agents=Bank and an insurance company form a partnership so that the insurance company can sell its products to the bank&rsquo;s customers. <\/li>\n<li>Concept originated in France. <\/li>\n<li>Overall,Insurance companies&rsquo; 30% of the business comes from Bancassurance. (i.e. bank customers). <\/li>\n<li>There are three business models in Bancassurance. <\/li>\n<\/ul>\n<h3 id=\"question-9\"><span class=\"ez-toc-section\" id=\"What_are_the_disadvantages_of_bancassurance\"><\/span>What are the disadvantages of bancassurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Disadvantages of bancassurance. There is a possibility of the conflict of interest between the other products of bank and insurance policies (like money back policy). This could confuse the customer regarding where he has to invest. Better approach and services provided by banks to the customer is a hope rather than a fact. <\/li>\n<\/ul>\n<h3 id=\"question-10\"><span class=\"ez-toc-section\" id=\"What_does_bancassurance_mean\"><\/span>What does bancassurance mean?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Bancassurance. Bancassurance, is a relationship between a bank and an insurance company, aimed at offering insurance products or insurance benefits to the bank&rsquo;s customers. In this partnership, bank staff and tellers become the point of sale and point of contact for the customer. Bank staff are advised and supported by&#8230; <\/li>\n<\/ul>\n<h3 id=\"question-11\"><span class=\"ez-toc-section\" id=\"Why_is_bancassurance_important\"><\/span>Why is bancassurance important?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>A Complete Solution,Not Just a One-off Policy. The most important thing in B2C buying is customer experience. &#8230; <\/li>\n<li>Convenience. EY conducted a survey in 2017,surveying 1400 retail bank customers in 7 Brazilian cities. &#8230; <\/li>\n<li>Trust. &#8230; <\/li>\n<li>One-stop-shop for All Financial Needs. &#8230; <\/li>\n<li>Expert Advise. &#8230; <\/li>\n<li>Ease of Renewals. &#8230; <\/li>\n<li>Easy Access to Claims. &#8230; <\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>C&rsquo;est quoi banque et assurance ? Le terme bancassurance est un n\u00e9ologisme qui d\u00e9signe le fait qu&rsquo;une banque commercialise, outre les produits et services propres aux \u00e9tablissements de cr\u00e9dit, des contrats d&rsquo;assurance d&rsquo;habitude vendus exclusivement par les compagnies d&rsquo;assurance. Quels sont les avantages de l&rsquo;assurance pour la banque ? Distribuer<\/p>\n","protected":false},"author":1,"featured_media":1155,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-1154","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance"],"_links":{"self":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts\/1154","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/comments?post=1154"}],"version-history":[{"count":0,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts\/1154\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/media\/1155"}],"wp:attachment":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/media?parent=1154"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/categories?post=1154"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/tags?post=1154"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}