Bank Of Our Country Insurance Business Model Research

Bank insurance in China started in1996, its cooperative pattern from theoriginal agreement to a more profound strategic alliance cooperation, although therehave been financial group mode, but still not mature. Overall, China’s bankinginsurance mode is still in its infancy. At present, China is a simple mode ofdistribution agreement, it has to do with China’s market economy is imperfect,imperfect financial system, the background of the insurance industry development isnot mature. But, after China’s accession to the WTO, with the influx of foreignfinancial firms, the foreign financial company business advantages increasingly deepsuddenly, Banks and insurance companies in China is likely to be difficult to resist thefury of the multinational financial conglomerates。offensive。. Therefore, learningforeign bank insurance model of successful experience, combining our country’sactual situation, in-depth study of China’s bank insurance cooperation mode, is a veryimportant and realistic topic.In this paper, the content of it is in this background began to expand. Bodyconsists of five chapters, the first chapter is introduction, explain to describe thebackground of the problem and thus leads to the full text; The second chapter ismainly on the concept of bank insurance and intrinsic motivation made profoundintroduction; The third chapter is the typical European bank-insurance cooperationpattern has carried on the introduction and analysis, and sums up the enlightenment toChina’s bank-insurance cooperation pattern; The fourth chapter first analysis ofChinese course and the existing problems of the cooperation between Banks andinsurance companies, and then points out the necessity of bank insurance in ourcountry adopt the financial group mode, has recently pointed out financial groupmodel of several ways. The fifth chapter, the postal bank insurance developmentcourse and the financial group pattern innovation and the implementation of thespecific analysis, given the specific case of the development of the financial grouppatterns.