The Construction Of Bancassurance Channels In Our Country

Along with the tendency of the financial globalization and the tendency of unceasingly integrated development, the overlapping fusion in financial domain and the mixing management of financial industry are more and more obvious. That is, the trend that the generalized financial industry merges into an integral whole is more and more obvious. To develop well in the competitive financial market, all the financial companies try to adapt to these changes. As one part of the changes, the joint of the bank and insurance company happened——bancassurance. In overseas, the bank insurance development already passed through its junior stage, it has tried to find out the stage which is more profound, presenting one kind of brand-new posture in front of the common people; In domestic, the bancassurance move forward like the raging fire, and some far-seeing financial enterprises are attempting the more promising bancassurance development pattern. At the same time, some problems appear. So, summarizing the overseas bancassurance development valuable experience can instruct our bancassurance reforming.Considering the facts and foreign experience, this paper which is divided into five parts to propose the question about the construction of the marketing channels in Chinese bancassurance.In chapter one, it is about the analysis premise of developing bancassurance. It introduces the concept, the origin and development stage, and the advantages of bancassurance.In chapter two, it is about the theory basis of developing bancassurance. It thoroughly analyzes the economic theory foundation, marketing channel theory foundation and risk management theory foundation.In chapter three, it describes the three stages which our bancassurance has experienced and the current features of our bancassurance. There are some problems in our bancassurance development, such as frail cooperation relationships and product structure and so on. The author considers that three reasons attribute to these problems.In chapter four, it reviews the bancassurance development in French and in Hong Kong, and introduces advanced experiences for the bancassurance development in our country. Meanwhile, we draw much attention to the developing background of bancassurance and the lessons we can absorb.In chapter five, it gives some advices about the construction of the marketing channels in Chinese bancassurance. The writer holds that product, training and risk management are the most important facts to develop marketing channel. This chapter carries on one by one and puts forward the related proposal. It must strive to adjust the product structure, establish a new product development mechanism, explore new distribution channel, enhance the customer service, improve the incentive and training systems, integrate the technology system, reinforce the interior control and risk management etc.