A Study Of Benefit Distribution Problems In The Cooperation Of Bank And Insurance In Our Country

The cooperation of bank and insurance is the inevitable product of the development of market economy, the fusion of the two is a kind of complementary advantages, cooperation and win-win strategy. The growth of consumer demand for bank insurance provides huge market opportunity and development space, the development of bank insurance to meet the banking and insurance industry competitiveness needs, financial liberalization for the development of bank insurance provides institutional arrangement, provides the technical guarantee for the development of modern science and technology progress as the bank insurance. The ban assurance development pattern from the distribution agreement, strategic alliance, a joint venture to set up financial group sequential pattern development.At present, China’s bank insurance is still at the primary stage. The main factors affecting my bank insurance development is the bank and the insurance company the uneven distribution of benefits, payment problems for the concentrated expression of the ban assurance fee. The bank and the insurance company’s fee dispute, has become one of the key factors restricting the development of ban assurance. Research on benefit distribution problem this paper focuses on China’s stage of development of ban assurance. Based on analyzing the ban assurance distribution of interests mechanism present situation, the establishment of cooperative game model, analysis of the impact of bank and insurance charges distribution of key factors, optimal fee value. Comparative study and application method of comparative research on the mode of operation of the national security interest distribution mechanism in different national conditions of silver worth learning, proposed constructs our country ban assurance interest balance mechanism in.