Bancassurance Development Study

Bancassurance has less than 20 years from the embryonic development of several changes. For the Bancassurance Study has been practically no depth, the lack of rigorous theoretical system. Therefore, the bancassurance theoretical study has important theoretical significance, but also greater challenges. This paper discusses two issues: the inevitability of the bancassurance;Bancassurance mode selection. From synergistic effect of scale and scope effects, Asymmetric information system analyzes the changes in the Banking, Insurance and the theoretical foundation from the perspective of both internal and external development of the Bank Insurance Study real cause. National Bank Insurance study the mode of development banks and insurance mode of development the past 20 years, changes the overall context in order Bank insurance. Finally, the development of insurance policies: the Bank of China to establish a strategic cooperative sharing model improve the integration of bank insurance sales model and the development of Simple bank insurance products, Sales of building a modern management style, a sound insurance regulatory system.