Our Bancassurance Cooperation And Countermeasures

Chinese bancassurance began in 1996. After more than ten years of development, Chinese bancassurance has made tremendous achievements. But the whole, Chinese bancassurance partnership model is still in its early stage. Compared with developed countries the gap significantly. In this paper, summed up the banking and insurance development of theory and basic concepts; followed by review of the Western developed countries bancassurance development process and the status quo, and from which to extract the worth of China's Bancassurance industry experience to draw on; once again on China's banking and insurance the development of a summary, analysis of China's banking and insurance development of our main problems and their causes; and finally, combined with China's Bancassurance course of development problems and cause analysis, this paper, China's Bancassurance development of recommendations on:(1) Based on China's national conditions and needs, and actively explore and steady development. Mixed is the world's financial development trend, and therefore China's financial reform, the ultimate goals. Chinese bancassurance industry to seize the current opportunity for development and accelerate the development of China's Bank security cooperation.(2) The gradual improvement of Chinese bancassurance cooperation in the legal system and regulatory system, the implementation of the appropriate tax incentives for banks and insurance cooperation to a deeper level of direction lay the foundation.(3) Update business ideas, to enhance awareness of cooperation, enhance the level of cooperation. To develop bancassurance strategic alliance for the establishment of financial holding companies to lay a solid foundation. To bancassurance the in-depth development have accumulated a wealth of banks and insurance experience of cooperation.(4) Actively conduct business restructuring, to increase bancassurance product development innovation. Bancassurance product innovation to the market demand, improve the industrial structure, value-oriented, to achieve sustainable development. To meet the different needs of customers.(5) Establish a scientific, effective and reasonable bancassurance system. Construction of banks and insurance companies network between the system and a unified operating platform to provide customers with convenient, comprehensive pre-sales service.(6) Actively cultivate high-quality professional talent for the bancassurance development of fundamental guarantee. Strengthen the dedicated insurance staff training, improve staff of professional quality and service consciousness, so the ability to deal with various technical and professional issues for clients in the provision of satisfactory and considerate service.