Study On The Bancassurance's Risk Management Of The Life Insurance's Company In China

Bancassurance is the product of fusion of the bank capital and insurance capital in the economic globalization and financial liberalition .The development of the bancassurance can reflect the cooperation between bank and insurance, and the economy of scale, economy f scope. Although developed rapidly in a few years, it is only the beginning phase. There are many problems. Such as: the low operation level, the aboil competition in price, the weak speciality of the bank salesman and lack of after-service. We can learn a lot from the development experience and lessons of International bancassurance. The thesis analyzes the status and the existing risk of the Chinese bancassurance's development. And puts forward the insurance tactics and countermeasures of the risk. It's worthy of in-depth study of the problem in the these areas as research and practice for life insurance companies and strategie investor .The research must be very important theoretical and practical significance.This paper was divided into six parts.The first part is to expatiate the background,ideas,features, and necessity of Bancassurance.The second part is to discuss the status,the existing questions of the Chinese bancassurance's development. The third part is to analyzes the risk of bancassurance and the harmness to the life insurance.The fourth part is to study the development experience and lessons of International bancassurance. The fifth part is to puts forward the tactics and countermeasures.The last part is to analyse the case-study of the pacific life insurance company.