Research On The Channel Management Of Bancassurance In Life Insurance Company K

The life insurance is the insurance goods that insurance life, body and health and so on, It is one Kind of invisible goods and service. Because of the high homogeneity of produce, Distribution channel is very important. It divided into direct and indirect channels. This article systematically analyzed the feature of them, Pointing out that the straight annul and the individual marketing has many problems such as high distribution cost, low effectiveness, extensively management and so on. The paper consider that Bancassurance is the new channel to adapt the contest situation for domestic life insurance corporation after our country entering into WTO.Bancassurance means bank either network of post office sale insurance produce of life insurance, Now it became the most popular and effective distribution way adopted by western developed country life insurance corporation. Contrasted with the traditional channels, Bancassurance has three strong points :low cost, more confident and enlarge market scale quickly. Bancassurance is still in cooperative phase of easy stratum protocal in our country although it developed quickly, Many barriers in system, viewpoint, technique and produce innovation restricted the develop of Bancassurance.Based on the advantage and development of Bancassurance,The paper analyzed the management for Bancassurance of life insurance K, from the administration of organization, business process, cultivation and motivation. Pointed out that life insurance put into practice unitary command and administration in order to use the entire resources inside. Ought to intensify norm further on the business process, And speed up networK with the deputy, Cut down the waiting time for client. Life insurance company should pay enough attention to the cultivation of the deputy, Give consideration with benefit of each side on the motivation to the deputy bank, and achieve " triumphing in all " of each side. Life insurance company should positively excavate different excitation elements to put into practice the enduring and comprehensive and valid excitation to the deputy bank.