On The Development Orientation Of Bancassurance Model In Our Country

Bancassurance originated from Europe and has prevailed all over the world since 20th century 70s. From 2000,the bancassurace of China has been an important sale channel of insurance except individual life insurance and group life insurance.At present, the financial industry of our country strictly implement divided management according to financial laws. But with our entrance to WTO, the domestic financial market has opened widely. Internal financial markets have to face the challenges with the constant entrance of overseas financial institutions. They are not only much better than the internal financial institutions in capital, technique, operation stiles and management, but also have the advantage of mixed management, which can provide the"one-stop"financial service for customers. Our financial industry will enter the mixed management times and bancassurance will develop soon. Well then what kind of model of country's bancassurance we will develop will directly decide the benefit of banks, insurance companies and customers. At the base of introducing the meanings and the development course of bancassurance, the article points out the development orientation of bancassurance in our country and addresses the concrete steps with the situation of our country and the developed countries'model of bancassurance.At first, the article answers three questions: firstly, what is the bancassurance? Secondly, what kind of development course has the bancassurance experienced? Lastly, which problems do exist in our bancassurance market? Through answering these questions, it can make readers clear that the bancassurance market of our country is at the primary...