Strategic Research On The Bancassurance Of Bank Of Z Hebei Branch

In the context of global economic integration, the global financial system is facing major challenges and opportunities, market competition has undergone tremendous changes, banking, insurance, securities, trust and other mutual penetration, increasing competitive pressure, the respective financial participants looking for new business models and profit growth, mixed competitive situation has been formed. Bank is no exception, after China joined the WTO, more and more opening financial environment, savings and loan spreads have been getting smaller and smaller, intermediate business income has become sought after by many banks profit growth point, in this situation, "Bank insurance " product was born,Bancassurance products not only meet customers’ diverse financial needs, but also increased both bank and insurance company profits, it can be described as "triple-win" Product. With the deepening of China’s financial system reform, bancassurance products will shine, ushered in the development of the peak.This paper introduces the domestic and foreign scholars bancassurance some of the points, including bancassurance "distribution agreement", "strategic alliance", "joint venture", "financial holding company" four bancassurance business model and experience. " Acting cooperation ", " strategic alliance ", " integrated management " three stages of development. In z Bank Hebei Branch as object of study, theoretical analysis, analysis method of illustration, the status of insurance agents z Hebei Branch of Bank of development and problems of four in-depth analysis, and bank and insurance market in Hebei Province environment and Z Bank Hebei branch of the advantages and disadvantages are analyzed. Some of the bank’s future cooperation with insurance companies, product strategy, sales mode given coping strategies...