The Research On Choosing Cooperative Mode Of Chinese Bancassurance

As the penetration of financial integration, the trend of amalgamation and conglomerate has become more and more obvious. Each internationally financial institute plays an active role in and actively adjusts themselves to this change in order to survive and develop in the increasing market competition. Meanwhile, as part of this change, the global bancassurance has developed more and more rapid. Through many years'exploration and development, the bancassurance has stretched every corner of the world. Not only the major sales mode of European insurance, but also it is an important pattern to expand their business and become all-group for many financial institutions in areas as in America, Australia and Asia.Bancassurance in our country has grown quickly since late nineties the twentieth century. With cooperation agreement as the major pattern, and strategic alliance as the supplement, however, it is at the primary stage at present, and can not realize the size effect in the perspectives of business integration and financial shares and holdings. It is a major issue for the development of financial field that how bancassurance can realize rapid and health development and gain triple-win among bank, issuance and customs.Under this situation and based on the theoretic fundament and motivation of the emergence of bancassurance, this article introduces the factors of present situation of the development of the bancassurance and its constraints and studies on what pattern the bancassurance could adopt in our country. Based on the analysis of bancassurance from the perspectives of economics theory and management theory, the use of some successful development experiences from foreign countries as references, and the surroundings of the development of bancassurance in our country, this article discusses and brings forward some development patterns for consideration.This article contains five chapters. First is the introduction chapter, which introduces the significance of the promotion and study on this issue, literature review, and the train of thought and approaches of this article. The following one is the theoretic fundament part. It mainly introduces the relative theories of bancassurance, including its connotation and extension, the patterns of bancassurance cooperation and its significance. In the third chapter, the article mainly focuses on the patterns in the development experience of bancassurance in some foreign counties and through comparison and contrast, it gets relative inspiration. Chapter four concentrates on selective analysis on the present situation, characteristics and problems of the bancassurance in our country, and further illustrates it by some examples. Chapter five gives this article a convincing conclusion. It studies the suitable choice for our bancassurance and explores some proper patterns and its applicable ways for our bancassurance under the present restraint in our country.