China Development Bank Assurance That The Hiatus Research

Bank Insurance is an important form of financial innovation in China, which history is short, which is important to Chinese economic development. However, Chinese bank insurance is still in its infancy, and finance developed countries, in policy and law, regulatory mechanisms, technical and ethical culture exist a gap. Technical problems, legal problems can be developed through learning to be resolved in good faith at the core of the bank insurance ethical and cultural gap, they need the state, enterprises and the long and arduous efforts of all citizens be gradually reduced. At present, the development of banc assurance in the serious lack of integrity, including the insurer's hide, fraud, charge exorbitant fees and unauthorized agents, but also misleading on the insured, fraud, intimidation and irregularities. These problems have seriously affected our banks and insurance companies in the public image, so that the development of banc assurance trouble. This caused the lack of credibility for many reasons, but it is mainly the decline of traditional ethical values, operating system, the lag in the level of cooperation is low, the low quality staff . Therefore, to speed up China's banking insurance development, we must strengthen the culture of the bank insurance credit research and construction, from cultivation to the core of moral integrity, strengthening the integrity of the Bank Insurance morality the supervision, change management ideology, improve quality of staff and strengthen public supervision, the establishment of the bank insurance, social credit system adapted to promote the development of banc assurance, and improving economic efficiency, increase our economic strength, thus improving our international competitiveness.