The Risk Prevention Of Agricultural Bank Of China Insurance Business In Suzhou

Since Agricultural Bank Of China Suzhou Branch and insurance companies to carry out banking and insurance business cooperation, through the stage of start-up and rapid development, in the continuous expansion of the scale of business at the same time, also emerged a series of problems and risks, including the misleading of operational risk, the sales process, the bank insurance cooperation in the process of disorderly competition and so on, these problems restricted to become an obstacle to the sustainable and healthy development of the insurance business for Agricultural Bank of China in Suzhou. Therefore, it is necessary to study the risk prevention of Agricultural Bank of China insurance business in Suzhou.Agricultural Bank Of China Suzhou Branch is the four largest state-owned banks in Suzhou, the first to enter the field of bank insurance, but also the development momentum is relatively rapid, although it is in the development of the existing problems are obvious. This article is in this background, combined with the understanding of the bank insurance management work the author has engaged in the Agricultural Bank of Suzhou and the accumulated experience, elaborated the Suzhou agricultural bank insurance risk status, causes and risks of Agricultural Bank of China Suzhou branch bank insurance business to do a detailed division of the bank are mainly bank credit and insurance risk brand risk, practitioners of moral hazard and the risk of claims, in the foreign bank insurance risk prevention on the basis of practical experience, put forward to avoid and control the bank insurance risk, countermeasures to promote the Agricultural Bank of China Suzhou branch Yin Baojian Kang, sustained and stable development is:through the establishment of bank insurance deep cooperation mechanism, enhance the management, establish a good the self-organization and self-learning mechanism and perfect the mechanism of distribution of interests and other aspects, pointed out that the bank insurance should be to a deeper level The direction of development, to achieve the true meaning of bank insurance, to achieve a full range of "win-win"".