Research On The Development Of Life Insurance’s Company Bank-insurance In Heilongjiang Province

Bank insurance originated from France in the1980’s,with the rise of the wave of mergers and acquisitions in France, Also affects other economic developed countries, formed the global trend of financial mixed management. The big wave of the financial industry, our country the bank insurance initiative in1995, but banking credit good. The life insurance companies with the development trend of Heilongjiang province, in2000the development of bank insurance, the life insurance company bank insurance income reached2.378billion yuan in2004,21.73%of the life insurance market share. Continually set up joint-stock insurance company in the whole of the life insurance market rich at the same time, also contributed to the personal marketing channel competition, so each big bank branch networks become rare resources in the life insurance marketing. In Heilongjiang province in2012life insurance market Bank insurance premium income of10.016billion yuan, Accounted for45.61%of the total premium income life insurance market in Heilongjiang province. Life insurance company in Heilongjiang province bank insurance in more than ten years of development, The business is shrinking sometimes, business scale expand rapidly sometimes, So we urgently needed research scale fluctuation reason of Bank insurance companies.This paper generalizes the life insurance company bank insurance development in Heilongjiang province, Bank insurance market of Heilongjiang province life insurance company overall business status, product sales and handling three aspects has carried on the detailed introduction. In order to more accurate understanding of the life insurance company in Heilongjiang province the problems existing in the development of bank insurance, in this paper, the operating data of life insurance companies in Heilongjiang province comprehensive collection, design the bank insurance business competitiveness indicators, and using factor analysis method analysis of life insurance companies in Heilongjiang province bank insurance business competitiveness. From the model found the problems of bank insurance operation, and combining the reality of life insurance companies in Heilongjiang province bank insurance business problems, Conclusion life insurance companies, banks and consumers three problems.The existing problem of the life insurance company in Heilongjiang province bank insurance, Put forward the countermeasures:should be development bank insurance product diversity, recognize life insurance functions return insurance safeguard function, development of diversified marketing channels, strengthen the legal regulatory solvency risk prevention, change the way of bank and insurance company cooperation long-term interests, Bank insurance sales personnel quality training compound talents, abundant consumers’ insurance knowledge, establish a customer-focused service system to solve customer rights difficult problem.