The Choice Of The Bank Insurance Organizational Mode In China

Bank insurance is an interpenetrating way of business taken by banks or insurance companies, which by utilizing or coordinating superior resources of both sides, providing the customers with financial products characterized by banking or insurance feature, in order to meet customer's increasingly diversified financial servicing requirements. Bank insurance was first started in Europe at the earliest, after many years of investigation and developing; it has become the main sale pattern of Europe insurance. Operating bank insurance business has become important way for financial organizations in those countries to improve its comprehensive competitiveness; the organizational mode of the bank insurance has changed from the initial acting cooperation mode to integrate and higher degreed financial clique turns.The insurance system in the bank in our country was produced after 1995 and Continuously developed up to now, the developing history of bank insurance business is only several decades, however, its influence on financial Industry, especially on banks and insurances is enormous, as to banks, the commission income of acting insurance business acquired has a big specific weight among the medium business income in bank, as to insurance, cooperating with banks to develop insurance business has become the main way for insurance company to enlarge scale and dominate the market, but we should be aware of that the development of bank insurance business in our country is still placed in a lower level, basically limited in a phase of agency agreement, and there are many problems in the process of development too. The fundamental cause lies in:the law system of divided operation in our country has prevented bank insurance from developing towards a higher level. in order to solve the above problems, it is a must to perfect and to amend relevant financial law system and accelerating to transit bank insurance organizational mode, the penman thinks that according to the real situation in our country, we should adopt gradual principle, as for now, we should maintain and consummate current law system of divided operation in order to help the bank insurance system develop more sufficiently, when conditions in all respects are ready, it is time to change over the financial system of divided operation, establishing《fund-controlling company law》, getting a transition to a phase of mix operation,correspondingly, the organizational mode of bank insurance will transit from acting cooperation mode to fund-controlling company mode. Which is the only way for bank insurance to walk up healthy orbit, and is also the main viewpoint of this passage.The innovation value and writing sense of the passage lies in:first, although bank insurance appeared in 80s 20th century and then populated all over the world, the research of economics in the field never stopped, the establishment of theoretical system has achieved an extent of increasingly perfect or corresponding maturation. While, the dissertations are just rarity of rarities which can bound the development of bank insurance together with the current law system to research, after recognizing the reality, this passage tries to set out from the angle of law system to investigate the modes selecting issues of our country's bank insurance in order to achieve some innovations; second, I adopt research ways that combine theory with practice together, using many typical cases when analyzing the current status of the development of bank insurance, and classifying the cases according to the basic types of the bank insurance organizational mode, therefore deeply revealed the phase of bank insurance in our country, which is in favor of bringing up much more perfect countermeasures according to the selecting problems of our country's bank insurance organizational mode.