La bancaseguros y sus peligros: el caso Hispano-Estrella, 1901-1993

IF 0.4 4区 历史学 Q4 BUSINESS
J. Ruiz
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引用次数: 0

Abstract

Bancassurance is understood as the relationship between a bank and an insurance company that decide to support each other by the fact that both carried out financial activities. It is a very important phenomenon in the Spanish financial history, where banks have dominated the scene with the formation of large groups with subsidiaries in the industry and the financial services. The bank-industry relationship has earned much attention, but the bancassurance relationship has never been studied in depth. This work analyzes, with archival sources, the Hispano-Estrella case, i.e., the relationship established between the Banco Hispano Americano, which led its ranking for many years, and La Estrella, an insurance company that at times was second in its ranking. This study of a relevant and protracted (more than 90 years) case and helps to understand how the bancassurance limited the development of the Spanish insurance, because the strategy of the bank (the strong partner) always tended to be imposed on that of the insurance company (the weak partner).
银行保险及其危险:西班牙-埃斯特雷拉案例,1901-1993
银行保险被理解为银行和保险公司之间的关系,它们决定相互支持,因为两者都进行金融活动。这是西班牙金融史上一个非常重要的现象,在西班牙,银行通过在工业和金融服务中建立子公司的大型集团而占据主导地位。银行业关系一直备受关注,但银保关系却从未被深入研究过。本文结合档案资料分析了Hispano-Estrella案例,即多年来排名第一的Banco Hispano Americano与排名第二的保险公司La Estrella之间建立的关系。本研究对一个相关且旷日持久(超过90年)的案例进行了研究,并有助于理解银行保险是如何限制西班牙保险的发展的,因为银行(强合作伙伴)的战略总是倾向于强加给保险公司(弱合作伙伴)的战略。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
CiteScore
0.70
自引率
0.00%
发文量
10
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