| Bank agency of life insurance in Taizhou city is in the early stages of development, parties involved get different information in the bank-insurance cooperation, agent sales and regulatory constraints period, which misleads sales problems occurred frequently. This essay states the serious harm to insurance consumers’ legal rights. This paper analyzed the channels which mislead personal insurance market situation, in addition, this paper expound the bank-insurance sales misleading questions will bring serious harm and highlights the "asymmetric information" under the condition of bank-insurance cooperation sales misleading behavior. In order to ensure the scheme is practical, and the above solutions to anticipate likely to overcome the shortcomings, some suggestions are put forward. This essay contains the following research work:(1) After organizing and anglicizing the data of Taizhou life insurance market in2008-2012, we may found that life insurance market silver generation surrender phenomenon is serious, which mostly because sales misleading; Based on the empirical analysis of the system combing the current Taizhou silver generation of personal insurance market channel sales misleading problem, the major forms of bank-insurance sales misleading problem are summarized the main harm;(2) The game is a research strategy, based in Taizhou silver generation of personal insurance market business development reality, this essay analyzed the "asymmetric information" under the condition of cooperation between Banks and insurance companies. Then this essay talked about the courses; Eventually, suggestions are made, such as deepening mechanism, strengthening the cooperation between Banks and insurance sales, these solutions will strengthen the supervision of Taizhou insurance markets silver generation channel and reduce the possibility of misleading sales;(3) Made a summary of possible problems and suggestions. |
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