The Research Of Development About The Bank Insurance In China

80 years of the 20th century, banking and insurance in the European continent. Can be said that the emergence of bancassurance, breaking the boundaries between banking and insurance, the real penetration of the insurance business to the traditional banking business, this kind of mutual penetration, is a new attempt, both for the convenience the customer, to provide more direct and comprehensive financial services, but also to increase the bank's intermediate business income provides a new channel, more importantly, the overall development of bancassurance, open up the insurance company's business channels, insurance companies increase revenue, such customers, banks, insurance companies, insurance sales and win-win model quickly spread around the world open to, say, banking and insurance in the financial sector under the trend of Mixed inevitable outcome.China's banking and insurance began in 1995, China Development Bank Insurance Although only a short ten years, but regardless of business size or type of business are constantly developed, at the same time, research on China's banks only stay in the insurance Bank Insurance from European experience in the initial stage, in theory, the absence of the constant expansion of the business formed a relatively large contrast, therefore, at this stage of our research is urgent banking and insurance, which guide our bank insurance more better and faster development of far-reaching significance.Through the introduction of bancassurance development model and foreign banking and insurance analysis of typical cases, we can see the development of each country and regional levels, development model have their own characteristics. The development of bancassurance in Europe has made remarkable achievements, the United States, Asia, the market is mushrooming development. At the same time, China's banking and insurance is still in the early stages of development, therefore, China must learn from Europe, Asia and other countries the development of successful experience in banking and insurance, a profound understanding of banking and insurance problems in the development process, active coping strategies to promote better and faster China's development of bancassurance. In short, with the globalization of economy and the development of liberalization, bank insurance has become a trend, got more and more attention and recognition. Our bank insurance although startting evening, but but experienced in the growth of more than 10 years later, it strong vitality has revealed undoubted. Since 2005, citigroup split insurance business, whether in the world since using integrated business or professional business debate is still reverberating, say, in bank insurance in the development process, domestic commercial Banks and insurance companies are gradually, exploring peeroxidation lies not in business model, and what kinds of commercial Banks and insurance companies can more closely with the key is the problem. Believe with bank insurance market gradually mature, with bank insurance products, along with the promotion of the position of the technical level of the unceasing progress, with more customer recognition and understanding, bank insurance market share will get the further promotion, believe both regulators of maintenance business or silver banking and insurance companies, will pay more attention to the new sales channels. Our bank insurance will obtain a higher achievement.