{"id":32683,"date":"2012-03-14T21:53:00","date_gmt":"2012-03-14T21:53:00","guid":{"rendered":"https:\/\/www.capgemini.com\/ar-es\/?p=32683"},"modified":"2025-03-28T10:50:24","modified_gmt":"2025-03-28T10:50:24","slug":"bancaseguros-de-las-fusiones-a-las-oportunidades","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/ar-es\/insights\/expert-perspectives\/bancaseguros-de-las-fusiones-a-las-oportunidades\/","title":{"rendered":"Bancaseguros, de las fusiones a las oportunidades"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1>Bancaseguros, de las fusiones a las oportunidades<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/cg-logo.png?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Capgemini<\/h5><h5 class=\"blog-date\">2012-03-14<\/h5><\/div><\/div><div class=\"brand-image\"> <\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/ar-es\/?p=32683\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/ar-es\/?p=32683&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https:\/\/www.capgemini.com\/ar-es\/?p=32683&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<p><strong>La Red l\u00edder en Distribuci\u00f3n de Seguros pendiente de las nuevas fusiones entre entidades financieras<\/strong><\/p>\n\n\n\n<p>Bancaseguros es la principal red de distribuci\u00f3n de seguros en Espa\u00f1a, distribuye m\u00e1s del 70% de los productos de vida y en torno al 10% de los productos de no vida que se comercializan en nuestro pa\u00eds. Este liderazgo en la distribuci\u00f3n de productos aseguradores ha sido expansivo en los \u00faltimos a\u00f1os, y ha cristalizado en multitud de acuerdos firmados entre aseguradoras y bancos y cajas para la distribuci\u00f3n de productos de vida y no vida.<\/p>\n\n\n\n<p>La posici\u00f3n de privilegio de Bancaseguros, dentro de la distribuci\u00f3n de seguros, se ha basado en la fidelidad de sus clientes pero sobre todo en el gran n\u00famero de oficinas que todas las entidades financieras desplegaron en nuestro pa\u00eds entre 1990 y 2006 que hac\u00eda que <strong>la fuerza de venta<\/strong> de bancos y cajas estuviera muy por encima de la del resto de redes de distribuci\u00f3n. Este frenes\u00ed expansionista se vio truncado a comienzos del 2007 con el comienzo de la crisis econ\u00f3mica que ha provocado una profunda reestructuraci\u00f3n del sistema financiero espa\u00f1ol auspiciada por el gobierno, basada en la fusi\u00f3n de compa\u00f1\u00edas con dos objetivos principales, la creaci\u00f3n de entidades m\u00e1s fuertes y el cumplimiento de los requerimientos marcados por el supervisor (Basilea III).<\/p>\n\n\n\n<p>Tras una primera ronda de fusiones donde han desaparecido un gran n\u00famero de entidades financieras, principalmente cajas, nos encontramos inmersos en una segunda ronda. Esta restructuraci\u00f3n est\u00e1 impactando en bancaseguros generando una <strong>reducci\u00f3n significativa <\/strong>de la red de oficinas y creando conflictos motivados por la vigencia de varios acuerdos de distribuci\u00f3n <strong>entre una entidad financiera y varias aseguradoras<\/strong> para la distribuci\u00f3n de productos. Consciente de estos conflictos el gobierno ha dado un plazo de dos a\u00f1os para la reorganizaci\u00f3n de los acuerdos entre aseguradoras y los bancos y cajas resultantes y dejar un solo proveedor de seguros por entidad financiera a partir del 01 de enero de 2014. Las posibles v\u00edas de soluciones pueden derivar en tres caminos:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Ejecutar un \u201ccambio de cromos\u201d puro y duro para lograr la reorganizaci\u00f3n.<\/li>\n\n\n\n<li>Ejecutar las cl\u00e1usulas que recogen las penalizaciones por ruptura de acuerdos en materia de bancaseguros lo que acarrear\u00e1 procesos judiciales largos y complicados.<\/li>\n\n\n\n<li>Tal y como indica la directora general de Seguros, crear un solo operador bancaseguros por entidad financiera que gestione &nbsp;las ofertas de todas las compa\u00f1\u00edas de seguros, utilizando herramientas multi-compa\u00f1\u00eda.<\/li>\n<\/ol>\n\n\n\n<p>Nosotros creemos que es esta \u00faltima opci\u00f3n la que parece m\u00e1s l\u00f3gica para imponerse ya que no supone perjuicio alguno para las entidades aseguradoras, sino que premiar\u00e1 a aquellas que comercialicen mejores productos a precios m\u00e1s competitivos y sean capaces de adaptarse con mayor rapidez a las demandas de los clientes. Capgemini, estar\u00e1 cerca de sus clientes ayudando a definir, modelizar e implantar herramientas capaces de gestionar el nuevo escenario.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"a93a97a8-c4f9-42f1-a1a4-fab4c14d0f41\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"_yoast_wpseo_primary_brand":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":""},"categories":[1],"tags":[],"brand":[],"service":[],"industry":[],"partners":[],"blog-topic":[],"content-group":[],"class_list":["post-32683","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- 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