Business Risk Regulation Of Life Insurance Company’s Bancassurance Channels From The Perspective Of The New "Insurance Law"

Bancassurance channel has become the main marketing channel of life insurancecompanies (2011, China Life Insurance bancassurance channel to realize the scalepremium456200000000yuan over the same period, the scale of insurance premiums869600000000yuan, occupy than52%). On one hand, the rapid development ofBancassurance channel to promote the economical growth, the expansion of theindustry, to benefit the people’s livelihood. On the other hand, the extensive growthmodel has exposed many problems and bottlenecks. In2009the new" insurance law"carry out for the insurance industry to build a strict, brand-new managementframework, the bancassurance channel is, like a magnifying glass, the fine mesh sieve,the problem is completely unmasked, bottleneck.Based on the new" insurance law" from the perspective of the system reform, tolife insurance bancassurance channel operation process for clues, the new" insurancelaw" to build the operating framework, and the incontestable clause, estoppel,obligations, with impunity, qualification penalty, the establishment of the insurancecontract in force and other key practice explains, combing the search ofBancassurance channel operation control in staff, training management, documentmanagement, contract, irregularities identified, visit management such as the key linkof risk management, from the bancassurance channel s development and regulatoryauthorities, insurance, industry associations, media practitioners, public bank andinsurance the target was analyzed the feasibility and risk regulation, combined withthe actual operation of insurance regulatory work in the aspects of feasible solution.This article seeks to avoid the complex theoretical argument, and more from set outactually, from the operation steps, operation level, we put forward the feasible riskregulation; to get closer to the actual first hand information, improve the authenticity,validity of arguments, the data are mostly derived from regulatory authorities ofstatistical information system, Life Insurance Company Silver Tube data and returndata, both from the Tianjin life insurance market development research.