China's Banking, Insurance Risk, Causes And Impact Analysis

With the deep-going of financial integration, the development of global bank-insurance is more and more rapid. Chinese bank-insurance is taking on the trend of rapid development too. Almost all bank-shop have been selling produce of insurance. Bank-insurance business heavily grew 600% in 2002. Is this rear bank-insurance? No. rear bank-insurance is that bank business mix in with insurance business. Chinese bank-insurance still is initial stage. Meanwhile which marking share of bank-insurance is quickly expanding, there are a lot of new problems. How to prevent operational risk is a key problem of urgently required to Insurance business. Such as development of produce risk, channel of market sale risk, technology of operation risk, policy risk.This thesis tries to raise some thinking and countermeasure to avoiding and controlling running risk of bank-insurance through study to overseas bank-insurance and analysis to Chinese bank-insurance, in order to promote development that it is healthy and steady and continuing.