The Research Of Our Credit Insurance And Bank Factoring Business Cooperation And Development

With the development of economy and the competition of financial industry andfinancial institutions by prominent benefit, mixed cooperation has turned into thedevelopment current of the financial industry. But at present, commercial banks andinsurance companies in our country is in the cooperation mode of distributionprotocol for low level, how to make the cooperation of bank and insurance jumped thelast new step, it is our emergent need to resolve the trouble. As more and morecommerce to take the transaction mode of credit, and the speed of this trend isgradually increased, credit insurance and bank factoring cooperation development to acertain extent and bank factoring has been paid more attention and developed to someextent, however, development pace, scale compared with these developedstates, market penetration rate is still small. The bank insurance cooperationfactoring and the credit market share is still relatively low share of bank insurancebusiness. To help manage the deep-seated problems of cooperation between theinsurance companies and banks, and growth of China’s financial sector are verynecessary. This paper mainly researched the existing cooperation of our country creditinsurance and bank factoring business and development problems，and presents somesolutions and suggestions, namely, to strengthen the financial regulation and thesound social credit system, the government increased the credit insurance and bankfactoring business support, to strengthen efforts to train professionals.