Study On Existing Problems And Countermeasures Of Development Of Bancassurance In China

As the economic liberalization, integration, and the change of market environment, in the western developed countries, the financial sector internal strictly separate operation are gradually breaking boundaries, strengthening financial business integration trend, especially there is a new relationship between bank and insurance, from their respective development, into mutual penetration, integration, the development of bank insurance become a common economic phenomenon. Bank insurance development in China started late, the analysis of the status quo and existing problems of bank insurance, and put forward the corresponding countermeasures, is conducive to the further cooperation between Banks and insurance companies in our country.Based on the trade insurance company bank insurance business in recent years, operating conditions and related data analysis as the foundation, through a careful study bank insurance development at home and abroad advanced experience, combined with the working practice, from the current situation of the development of banking business, points out that the bank insurance business in China and the problems existing in the regulation of the bank insurance market healthy and orderly development of our country put forward constructive opinions and Suggestions, find out to meet the requirements of China’s financial market environment and regulatory bank insurance cooperation mode.This paper is divided into six parts, the first chapter is the introduction, this paper discusses the research background of this article, the research significance, research methods and framework, and introduces the domestic and foreign scholars opinions and views this issue; The second chapter introduces the background and development of bank insurance mode, analyzes the development course and current situation of the development of bank insurance; The third chapter based on banking market in our country, put forward the our country current silver insurance industry management and the lack of regulation; The fourth chapter analyzes the foreign bank insurance form and the development of advanced experience worthy of learning, in order to provide references for bank insurance development in our country. The fifth chapter put forward to promote our country bank insurance market healthy and orderly development of countermeasures and Suggestions; The sixth chapter made the conclusion and puts forward some problems which need to be studied further.