Study On Patterns In Our Country's Bank-Insurance Company Cooperation Deeply

The bancassurance is the strategy that insurance company and bank, postal service and other financial institutions permeate and merge each other at present, By the connection of the assets, integration of customer resource and sharing of marketing channel, We offer a kind of arrangement of bancassurance products and service. The bancassurance has already become one of the main development trends of the current international finance insurance. The financial insurance field of our country has been accepted beneficial attempt and exploration in launching the Banks and Insurance, have accumulated beneficial experience, and has obtained faster development.Nowadays, cooperation among the bank and insurance company have already developed into mixed operation of insurance and banking form initial acted for and sold and merged each other with the products, operate under a brand together. Specifically, By the see of bank and cooperative way of the insurance company, they can be divided into three levels: First, the agent, the bank signs the reciprocal or unilateral distribution agreement with insurance company, utilizing each existing agency to sell the products of each other; Second, the joint-venture, The bank and insurance company establish a joint venture together By their funds, they share incomes, take risks together; Third, building or merging, The bank or insurance company through building or purchasing to enter the other side fields, among them it is more general that the bank sets up an insurance company or purchases the situation of an existing insurance company alone. In this building way, The bank and insurance company combine together, launching overall cooperation in the field of business. At present, these ways coexist in the world, they are closely related with various countries' development intensity, regulation of financial supervision and management strategy of the bank or insurance company. However, as a new business, our country's bancassurance is still at elementary developing stage at present, In practice they expose a lot of insufficient and some problems to be solved urgently. So how to continue promote our country's bancassurance to develop healthily fast and continuously. it is undoubtedly that we should pay attention to that problem.Chapter one of this text introduced research motive and purpose of this selected title; explained domestic and international relevant current research situations, constructed the whole research flow diagram.Chapter two we analyzed these two great cooperation's foundations of banks and insurance companies, From itself cooperative definition, theory of cooperation definition, we analyze the two economics reason of cooperation, Based on this, we analyze the relation between insurance company and bank from theory.Chapter three we described the representative bancassurance development of foreign countries, and found the inherent law of the international finance and cooperative, then obtained the effective reference that our country's bank cooperated with insurance company.Chapter four we analyzed the market of our country's Banks and Insurance, combining the original version of the course of development of international in earlier stage, then analyzed the cooperation of our country's bank and insurance company on comprehensive, At last we analyzed the feasible mode that the banking cooperates with insurance at present in our country.Chapter five we discuss domestic Xinhua insurance developing road in the form of case, in order to verify the effectiveness of the conclusion.Conclusion part, we briefly reviewed research starting point of the whole thesis, expounded the weak point of the thesis and defined the direction of follow-up study.