Bias Error And Adjust

Within the worldwide waves of innovation of financial liberalization and innovation of financial institution, bancassurance as a product of financial integration and a new institutional arrangements, has become an important development trend in the international insurance. Under the influence of this trend, China's bancassurance has developed rapidly, and occupy nearly half percent of insurance premium income in a short time. At present, the mainly business model of China's bancassurance is that"separate operation, concurrent-business insurance agency", which means that bank as the agent of insurance company selling the guarantee slip, and gather the bancassurance fee by proportion. Because this model of birth defects, Banks insurance fee malignant competition problems intensified, thus make insurance in Banks and insurance companies are unable to achieve a win-win situation between the dilemmas. Because the bank outlets, clients resources, insurance company is in negotiations in a weak position often, resulting in Banks, insurance fee and insurance company uptick in the insurance business actually also gradually in the "no" or "peanuts" position. At present, the changes in the international financial environment background, China insurance industry faces important choice, how to combat illegal behavior, set to prevent and dissolve the market risk, stable Banks insurance market order, keep the development of bank assurance achievement is an urgent subject now. Therefore, in the existing cooperation pattern under the condition of invariable, from different perspectives on bank insurance fee of problems for further analysis, and from the Angle of economics, and interprets the standard bank charges out insurance is to promote the scientific method, the long-term insurance, sustainable and healthy development of the basic way.This article mainly demonstrates the bancassurance fee problem from four parts:The first part: an overview of the general theory of insurance fee bank. First the concept of insurance fee for Banks, according to the definition of the term structure bank insurance fee and insurance and banking charges from the concept of both the interpretation. The concept of insurance for Banks, because at present academia, so there is no uniform definition of Banks with domestic and foreign academic circles of research achievements of theory of insurance of insurance for Banks, introduces emphatically the various definitions. Through the concept of contact with the poundage, summarize and characteristics of the bank dig deeper connotation of insurance fee. Secondly, based on the operation mode and management agencies generally the commission system, rigid economic interests of inflation, the legal subjects desires to such an important factor analysis behavior contract of insurance, the origin of the bank charges are specific environment factors. In China, for example, made from selling subject qualification, and distribution agreement has been signed, the principle of cooperation and competition, pay poundage aspects of management and bank charges related to the principle of insurance regulation. Finally, from the direct effect, indirect effect, positive effects and negative effects on bank charges mechanism effect insurance on the summarization. This part from the above four bank charges, insurance theory provides theoretical generalization for below.The second part: four aspects to our bank insurance fee status analysis. First, the Banks in China insurance fee status, and introduces basic fee from the channel with the relevant product cost estimation, level, management mode rate from three aspects: the breakdown. Second, our bank insurance fees are introduced the problems are analyzed, and the standard fee pay fee payment, pay fee, the problem is not clear object. Third, the problems of charges for the disease and analysis, the conclusion is: distribution agreement is too simple mode of malignant competition fee because of incentive mechanism, the disease is not scientific and high potential for handling disease, management mode is the poundage extensive long-standing problem because of the deep disease, lagging regulation is to regulate charges for the policy of disease. Fourth, introducing the information economics -- agent model of distribution agreement too simple this fundamental mode for the disease, through calculation model of economic analysis, the distributor agreement under optimal incentive mechanism model establishment is discussed. This part of our bank to reflect insurance handling the problems from different angles, and analysis of the disease because of problems.The third part: to regulate Banks insurance fee of international experience for reference. Through the analysis of the typical cases of abroad, the author from four aspects to regulate Banks insurance fee of international experience made, respectively is breakthrough is the bottleneck regulations of bank assurance poundage is a basic prerequisite, optimizing distribution agreement pattern is the international standard banking practice, the general insurance fee of diversified products distribution mode virtually scattered Banks insurance fee of potential risks and establish supervised system is the international standard banking regulatory way of handling insurance mainstream. The international experience of China's Banks insurance standard has very important significance.The fourth section: this section is the countermeasure and the suggestion. According to the cognition of current situation in previous part and the analysis of problems, combined the related theory with Chinese bancassurance development environment and the relevant experience in foreign countries, give the proposal of how to regulate China's bancassurance fees. First of all, promote the bancassurance to a deep-level development. In the current policy environment, we can regulate the bancassurance fees fundamentally by establishing the bancassurance strategic alliance mode or by attempting to establish the financial holding company. Secondly, establish scientific management mechanism. Standard the behavior of bancassurance business entities by using the organizational excellence, internal control optimization and the optimization of human resource management, and regulate the behavior of bancassurance from themselves. Thirdly, strengthen the regulation of bancassurance. Mainly through establishing strategic alliance from industry and severely punish those who violate the law and discipline and establishing joint control- coordinating mechanism to formulate regulatory. Finally, to strengthen the construction of self-discipline, mainly through the scientific organization and the support of competent authorities and the smooth communication to regulate the bancassurance fees from internal.Based on our financial environment and the actual development situation of bancassurance, we analysis the present situation and the existence problems meticulously, and we dissect the reasons, demonstrate the China's bancassurance fee problem all-round and provide advice for the breakthrough of development of bancassurance theory and practice of the.