Research On The Development Modes Of China's Bancassurance

Mixed operation has become an international financial industry development trends at the Economic globalization and financial integration of the background.Since the 1980s,the bancassurance has developed by leaps and bounds in Europe,the United States and other Western countries,as well as created new profit models for banking and insurance industries.At present,China's bancassurance is also limited to a single bank and the insurance industry is operating in the form of proxy,with a big gap between it and the bancassurance in the true sense.Research on the future development of the insurance model is not only practical solution to a number of key issues,but also the decisive factor for the success of the transition,and it has great significance.This paper,based on the inevitable trend of mixed operation and the excellent results Of domestic and foreign bancassurance development modes choice,Analysis of bancassurance of the reasons for the slow development of the insurance,according to the domestic bancassurance environment and development characteristics,through some analysis to identify the impact factors and the existing problems of China's bancassurance development mode chosen and put forward China's bancassurance development model-the financial holding company.Chapter 1 Introduction,Introduced on the domestic and foreign bancassurance literature review of the development model,the idea of writing this article,research and innovation.Chapter 2 talks about foreign bancassurance development status,stage and production of the driving forces on several fronts,and carries out a specific analysis of costs and profit margins.Chapter 3 foreign bancassurance model of development experience and learn from comparative analysis.Chapter 4 of China's bancassurance development and analysis of the mode of choice.According to the draw on the experience of the previous chapter,combined with the development of China's own characteristics of the bancassurance,it raised the financial holding company.Chapter 5 the existing problems and countermeasures in the process of the realization of the financial holding company.A final conclusion.