The Risk Of Insurance Sales Agent Bank Regulation Research

With the rapid development of world finance, financial management and business cross appears mixed supervision trends are becoming evident, banking and insurance intermediation and cooperation have emerged, resulting in bancassurance. However. China is still in the banking and insurance to the Agency Agreement as the basis for cooperation between low-level forms of cooperation, is not conducive to the development of bancassurance.Insurance business because foreign banks started earlier, and relatively open financial markets, so the development of a more mature, the main business models in different stages of development vary. In the early development of bancassurance business, the main mode of agency agreements and strategic alliances model, a more mature stage in the development of major cross-holding and establishing a financial holding company model, accordingly, with the rapid development of the financial sector, most countries abroad the financial regulatory system and the regulatory laws from the traditional sub-sector into operation and regulation Mixed and supervision, and the establishment of a benign regulatory regime and achieved great success, therefore, reference to foreign bancassurance experience relevant legal regulations, on improving our bancassurance is important.Under the existing sub-sector and sub-sector operators regulated financial system, improve our bancassurance business should take into account the status of legal regulations and the bank insurance agency business the actual situation Bancassurance business should establish strategic alliances and cooperation, further regulate bank insurance agency business in the banking and insurance companies operate, and maintain market order, insurance companies and banks to strengthen legal sanctions violations, improve the legal system and financial regulation protection of the financial interests of consumers and other aspects of comprehensive management. Establishment and " Consumer Protection Law" linkage mechanism, the financial interests of consumers into the scope of protection of consumers, improve the relevant financial and legal systems, and should gradually relax and reform of China’s financial services regulatory system to accommodate the needs of financial innovation, Furthermore, it should strengthen the regulatory arbitrage legal regulation, a clear legal basis for regulation to protect the financial security, prevention and control of bank insurance agency to legal risks, and promote China’s financial regulatory system operators and incremental reform, promoting bank the healthy development of insurance agency business.Besides the introduction and conclusion, is divided into four parts:The first part is to introduce the bancassurance business, legal concepts, according to China’s current bancassurance business development, and to analyze marketing bancassurance business model, business process and legal nature, and specifically to start on.The second part of a large commercial bank in Sichuan Province as an example, elaborated on China’s banking insurance agency business, legal risk, legal risk, such as consciousness, highlighted illegal operations, many potential risks, lack of supervision and external financial consumer fraud serious problems and other issues.The third part of the main foreign bancassurance sales legal regulation issues comparative analysis of the United States, Britain and France bancassurance sales to regulate the relevant institutional and legal requirements, its legal regulation rules depth analysis, combined with China’s actual situation, our bancassurance business improvement made several references and inspiration.The fourth part of the combination of banks selling insurance business of the plight and foreign regulatory experience, and contact conditions of our country and judicial practice, put forward China’s current bancassurance business risk legal regulation path selection. From the bank insurance agency business model selection, maintaining market order, financial regulatory reform and financial system to protect the rights of consumers and other aspects related to suggestions for improvement.The innovation of this paper is to construct possible bancassurance business risk of legal regulation system. Think it should be a strategic alliance bancassurance model, establish and improve the bancassurance market laws and bad business environment, improve the bancassurance business, financial regulatory system, strengthen financial consumer rights protection and other aspects to be improved, in order to solve our bank insurance sales agent legal risks, and promote the healthy development of the financial sector.