Development Patterns Research Of Bancassurance In China

Along with the money market competition aggravating and the financial integration advancement, the tendency which the international financial industry two biggrops - - bank and the insurance collaboration cooperation, seeped mutually is obvious day after day, has formed the so-called bank to insure bancassurance.The bancassurance origins from Europe, Europe is the most developed place.Bancassurance in China starts in the end of 1990s and developed swiftly and violently, and some far-seeing financial enterprise is attempting the higher paraffin bancassurance development pattern .However bancassurance in China has a series of problems.At present, our country financial industry are opened to the outside world, the domestic financial industry will face huge challenges.Therefore, speeds up the bancassurance development have the extremely vital practical significance.This article is precisely based on such background, attempts to provide certain theory model.The full text divides into four chapters.First chapter introduced the bancassurance concept definition, the production and the development history.Second chapter inspects the overseas's bancassurance development,obtained the bancassurance in the overseas development main pattern and give some adivsesr .Third chapter has studied the bancassurance cooperation pattern in China, has analyzed the questions of pattern and the reasons.Fourth chapter propose bancassurance's development should adopt the pattern - bank leadership financial holding company pattern, in implementation process risk supervising and managing.